Ah, Texas. In the 90s, I got pulled over and didn't' have my insurance card on me (although I was insured). Went to court three times due to a judge that apparently hated long haired grunge guys. Also apparently, after the case was dismissed when I showed proof of insurance, it was never filed as such, so I ended up with a warrant and later got to spend a night in jail in downtown Houston, Oh, AND I got the opportunity to pay $500 bail to get out.

Sorry about your car. Hopefully, life catches up with the weasel that hit you.

 

Different insurance companies write policies different ways. On my last policy my uninsured motorist had a clause that also covered under-insured motorists. The reason people think that it only applies to medical is because that coverage is usually only $100k, and you will never have that much damage that will be repaired on most vehicles. They will total the vehicle.

 

titanescape - The most important thing is that YOU are OK !!! The car IS repairable / replaceable. Very sorry it happened to you and that the car is so badly damaged,. IMHO - it's fixable - but the cost to fix will likely be higher than the cost to simply total the car. (And BTW - this is why aluminum frames are NOT the best idea ever - they bend easier - and can not be pulled back into place anything like steel can be.) If I were in your shoes - I'd be spending some time looking at what similar C6's are running - so you will have an idea what a reasonable offer from your insurance company looks like...

I will also mention one thing. Insurance companies have lawyers on staff. I don't know the law in your state, but it would take little work for one of the lower paid legal staff to file a suit against the guy who hit you for the damages the Insurance Company paid out to you (they could even press charges against him for filing a false claim after he claimed you hit him - but that's a lot less likely). The guy who can't afford insurance is NOT going to be able to afford to hire a lawyer, and likely won't even show up in court. That translates to a default judgement for the Insurance Company. Now - collecting anything on that judgement will be difficult - but IF the guy does come into some money in the not too distant future - the insurance company has a claim to it that. (There are also companies that buy out these judgement claims for a VERY small percentage of their face value - and hound the people - similar to bill collection agencies).

I know my Medical Insurance company sent me paperwork to fill out after a relatively minor ER visit a few years back - (Finger slice requiring Stitches) where they were looking to see if this happened somewhere where they could get someone else to foot the bill. For a payout in excess of $20K - a lawsuit is not at all uncommon.

 

I don't the point for uninsured coverage. I've had two such claims and in both cases the carrier wrote me a check for the desired amount within a week.

In one of the cases they sued the driver and got some money and repaid my deductable to me. In the other, they didn't bother and I didn't blame them.

 

It can be straight forward when there’s no injuries. That’s where it takes years to resolve.

 

[QUOTE=Fast Dawg;1602286412 The reason people think that it only applies to medical is because that coverage is usually only $100k, and you will never have that much damage that will be repaired on most vehicles. [/QUOTE]

No, the reason they think that is because that's what the policy says.

 

Yeah Texas... They did ME big time... You're gonna get screwed... Get the hell outta Texas and don't return.

 

Glad you're ok! Hopefully you get it fixed or get a good pay out!

 

Man, I hate to see this but super glad you're not hurt. I'm looking forward to seeing the outcome.... I'm really hoping for a good outcome for you.

 

A guy who hit me on the side of my work car talked to the police officer who arrived and was saying all sorts of ****. Then he dropped a cop's name and said he was going to see him when I hit him. I was about to defend myself but the cop beat me to it and said to him, "you passed the police station when you ran that stop sign and broadsided this car". That put a smile on my face!

 

TEXAS CAR INSURANCE COSTS BY COVERAGE TYPE Coverage Level Average Annual Premium $50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision $2,120 State Minimum — Liability Only $782 State Minimum — $1,000 Comprehensive/Collision $1,791 State Minimum — $500 Comprehensive/Collision $2,059

 

There are plenty of strip mall chain insurance companies offering liability for $39/month.

 

They total that thing yet?

 

Ouch! I know when I moved back home to Georgia from Illinois when I retired, my Illinois insurance agent, who was in my Corvette club there, got licensed to sell insurance in Georgia so he could "help" me with rates. He called a few days before I moved and expressed his condolences on the best rates he could get for me in Georgia. It was much higher and we had zero claims or moving violations. It really varies from state to state.

Would you trust them to insure a Corvette? I used a local insurance broker when I was a teenager and into my 20s to keep my rates low by using the companies that would write me the lowest cost policies, but I wasn't insuring a Corvette.

 

Man this sucks,Sorry for your car,but glad your OK I hate uninsured drivers!!!!!!!

 

For you and your car maybe.

WTF? "World hunger? But I just ate!"

 

I wasn't indicating they were for a Corvette. I was more pointing toward people who pay the $39 for one month's insurance, and then don't pay again so they get their proof of insurance for registration purposes, but aren't out anything more than just the $39.

 

See my post above. Context is key....

 

good idea to keep it hanging over his head

 

Oh man...I'm truly sorry about your beautiful Vette. Key to it all is you walked away still healthy! Wish you the very best forward.

Mike