On May 14, 2014, I was in my apartment watching TV when I heard my car alarm go off. I went outside to look, and a neighbor of mine told me a girl had hit my car and took off. Then he told me he had a video of the entire incident.
I asked why he had a video and he said he awoke to find the same girl vandalizing his brother’s motorcycle. He got his phone and ran out to film her, but she jumped in her car and began to reverse to get away. That is when she attempted to execute a 3 point turn and hit my car.
He gave me a copy of the video which clearly shows the driver, a passenger, and a baby in the back seat. The video indisputably shows the vehicle hit my car, the rear license plate is clearly visible. I called the police to file a report. The officer told me it was a rental car and gave me a card with the police report # on it. I contacted my insurance and showed them the video and gave them the police report #. They instructed me to get an estimate right away.
This is where it get’s “iffy”. The estimate came out to $587, but my deductible is $1000. My insurance company (USAA) basically told me if they can not find the driver I¹m out of luck because damage was less than my deductible. I was shocked to hear that I would have to spend money because I have full coverage (my state is CA by the way), and we have undeniable proof I was not at fault.
Now it was my understanding, that in order to rent a car a person has to have some form of insurance, so why do I have to pay my deductible. My agent told me if they find the person I would not have to pay it. Days go by and I continue to check with my agent, but he tells me no new news.
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