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If a garbage truck hit your parked car do you go through insurance or go to the town hall and what insurance will cover that?In: Auto Insurance |
Answer
If you have collision coverage on your vehicle, the damage is covered under your policy. Your insurance company will then attempt to recover ("subrogate") the responsible parties insurance carrier....or the responsible party directly if they were not covered by insurance.
If you do not carry collision coverage on the damaged vehicle, your only avenue of recovery is through the responsible parties insurance carrier or, the responsible party directly if they were not insured.
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First answer by Veeper. Last edit by Veeper. Contributor trust: 110 [recommend contributor]. Question popularity: 28 [recommend question]
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