Legal Question in Insurance Law in Massachusetts
I was pushed into a guard rail by a car changing lanes. Merging car fled scene and was unable to write down plate number. Witness stopped and indicated to police that the merging car caused accident and I was not at fault. Police report substantiates what the witness indicated. I called my Insurance company and since I do not carry collision they stated that I cannot collect under this claim.
Do I have any recourse? Why isn�t the insurance company liable since I was not at fault? Do I have any recourse?
1 Answer from Attorneys
If your auto insurance policy included COLLISION coverage, then your insurance company is obligated for repair costs of your vehicle. If you only had LIABILITY coverage, then you would have to sue the party responsible for damaging your car (by making a claim against THEIR LIABILITY coverage).
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