Swerved and Hit the Curb – Filing Car Insurance Claim
Reader’s Question:
I was traveling straight on a green light however a vehicle pulled out in front, I swerved and hit the curb. What are the chances that the my insurance carrier will cover me in Montana?
Renee
Great Falls, MT
If you have collision in your insurance policy you should cover you up to your deductible. It doesn’t matter what you hit either a curb or another car. After the adjuster checks your vehicle you should receive a check for that amount or it will be sent to the shop that does the repair. Different insurance providers handle claims differently.
I am assuming that you didn’t get the other motorist’s information, only his plate number. Since you have a witness in the accident, you will need his statement so the police will be able to provide you the other drivers information and you can file a claim with his insurance carrier or your insurance will file the claim for you. You will receive a check for the deductible when the other insurance carrier pays your company back. Even if the other insurance provider denies the claim, or if the other motorist is uninsured, you can still sue him in small claims in court. A witness would definitely help in court but is not always necessary since the judge will probably know that you didn’t pick his plate number at random.
