Viewing a single comment thread. View all comments

ThrowawayTink2 t1_jefi9y2 wrote

Were you hit by a Municipal vehicle? (police car, county plow truck, ambulance etc)

In some cases, Municipalities (town/county/state) are exempt from liability and you do indeed have to go through your own insurance, while they pay your deductible & rental if you do not have that coverage on your own policy. That was my first thought reading this question.

−1

LampardFanAlways t1_jegof7k wrote

That’s a weird thing, if true. A cop car hitting me while chasing a perpetrator is bad but maybe I didn’t pay attention to the sirens or something. Arguable. A cop car stepping out of a Dunkin drive through and hitting me when I had the right of way shouldn’t be exempt. I would be stunned if that’s the case.

2

ThrowawayTink2 t1_jegskif wrote

Different states handle it differently. If I remember correctly it's called "Sovereign Immunity". My car was parked when hit by a city owned vehicle and all they had to pay was my deductible. My insurance paid for the repairs, but it wasn't counted as an at-fault accident and my premiums did not go up.

0