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What can I do if my parked car was hit during a police chase?

Asked by user in New York.

My car was hit while parked by a car being chased by the NYPD. There was no VIN number provided for the car that hit mine and no one was in my vehicle. Now I have to pay out-of-pocket with a deductible and they are putting recycled parts in my 3-year-old vehicle.

Answered by Enjuris Editors:

I’m sorry this happened to you.

Have you checked to see whether a police report was filed? If so, it should contain the at-fault driver’s contact information. Filing a claim with the at-fault driver’s insurance company will allow you to avoid paying a deductible to have your vehicle repaired. You also have the option of suing the at-fault driver personally to recover your deductible.

If you believe your insurance company failed to provide appropriate compensation, you can contact an attorney to help negotiate a better settlement or file a bad faith claim if necessary.

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