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Who me? I doubt anyone really understands insurance and their rights.
Thnigs Ive heard about insurance:
1. If a guy hits you and has no insurance, your insurance is suppose to cover you anyway.
2. If you sue and win against your insurance company they are required to pay court and attorney fees.
3. They must pay you for diminished value of your vehicle if its fixable.
4. Renters or home owners insurance covers possessions inside your vehicle. IE ipad, iphone, laptop, etc.
5 Even if you arent at fault, you can use your insurance to fix your car and they will deal with the other guy and his insurance company.
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