About a week ago, someone rings my doorbell to tell me that my car was hit. Apparently this person had been hit first and they took off so they chased them all over Chicago trying to get a picture of their license plate. Unfortunately for me, this resulted in the person losing control of their car and crashing into mine. Once that happened, the person that was originally hit took the picture they needed and the stolen car sped off. Turns out, after finally looking at their car, there was no damage anyway, hooray.
So, the police come over, write a report, give me an exchange card, I call my insurance, let them know what happened, I send them a picture of the license plate, they say they'll let me know what's up later. They call me back this morning and say that the car was stolen and the guy was arrested. To me, that sounds great, we know who did it, we have proof they did it, just pay for my car and I'll call it a wash. Turns out, no, this guy doesn't have to pay for anything. I'm sure he's paying all of the damages to the car they stole, sure, but nothing to me. My insurance is telling me I have to pay a $250 deductible and I won't have a car for who knows how long while they fix it.
A few weeks ago, this wouldn't have been a huge deal, everyone gets screwed sometimes, sure. But five days before I was hit, I became unemployed. Now, $250 is a big deal. Now, not having a car for a week is a big deal. So, please, if someone could give me insight as to why it works this way or if there's some kind of action I can take, that would be really helpful. Is my insurance wrong? Is there something I'm totally missing here? It just seems crazy to me that this is the end result. Thanks in advance for any and all replies.
Written By: uhicanexplain
Source: http://bit.ly/2VRxKRQ
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