Reply to Someone scratched kids car and I know they won’t pay

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[quote=Anonymous][quote=Anonymous]So if a driver doesn’t have insurance and they cause an accident, what happens to them? What is there punishment? 
My brothers car was hit by uninsured driver. Brother had to pay for his repair since deductible was more than repair. Nothing happened to the at fault driver. Why not? I guess my brother could have sued but if they have no $$ then what is the point? And why is at fault driver still allowed to drive? Why isn’t their car taken away or something? 
[/quote]

As a Risk Manager in the transportation industry who deals with this daily, the answer is absolutely nothing happens to people who don’t have insurance. No one will sue them because there’s not going to be a recovery.

As to what to do, first figure out your deductible. Many carry deductibles that exceed $800. If it’s possible to get a recovery, then you should consider if it’s possible to find fault with the driver. If so, the cost for using insurance will definitely exceed $800 - probably your annual insurance premium will increase more than $800 and remain At that high level for 3 years.

I get wanting to get the car fixed.  Personally I might not but my spouse would have it in the shop the next day.

All in all, to me it sounds like this is just a cost of having a kid who drives and your best bet is to just pay the bill to fix it. [/quote]

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