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Toddlers: 12 - 24 Months
MJN9510
member
NTR: What is it called when...
MJN9510
member
a government vehicle does damage to your property but your insurance is the one who has to pay? For instance, if a salt truck is salting your roads on a snowy day and runs into your vehicle...you have to turn that into your insurance because there is no insurance on the government vehicle. I was thinking there was a specific term for this. Does anyone know?
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Re: NTR: What is it called when...
Seriously I just cracked up. I think they still pay. Phone company broke my windshield and they paid.
HUH?!?
insurance is different if each state. But here in michigan, which I'd hope is pretty close to ohio insurance, government vehicles HAVE insurance!
In MI it's a NoFault state, so if someone/something hits your car while parked (ie: a salt truck) it's considered property not vehicle and your car should be fixed 100% with no ded, also in MI we throw in a rental car if needed.
That's if you know who hit you...
...just because you have to deal with your insurance company (file the claim or whatever) doesn't mean you're being charged for the accident.
Insurance companies fight it out behind the scenes mostly... They will subrogate if possible.
Cities & States are required to have liability insurance, especially when they have drivers to cover them in case they cause an accident of any kind. Your friend probably got someone who was an idiot and didn't know about the insurance aspect.
Contact the Risk Management dept in your city and tell them you need to file a claim because your car was hit by a snow plow.
I have no idea about a specific term for this, but I'm pretty sure if there is a snow emergency (i.e. no parking in the street) and a plow hits a car parked (illegally) in the street the owner of the car is liable for the damage. I'm sure this all varies by state, but government agencies do have insurance.
File a claim with the city, or dept of whatever hit you. The government vehicles have to have insurance- usually there is a max for payout- here in Nevada the cap is 75K. Their risk management will turn the loss over their insurance company who will investigate and determine if they are even responsible for the loss (without knowing the facts of loss I can't comment on this), once liability has been determined and accepted then payment can be made.
If your insurance pays for a loss that someone else is responsible they will subrogate against the other parties insurance company- if they recover any money will depend on the situation.