I was hit by a pizza delivery driver on Main Street in Ocean Grove NJ when I waved a couple pedestrians on to cross the street. He just plowed right into me because he was on his phone & I was stopped for awhile so I don't know how he missed me!! Anyway, he left the scene, after giving me his insurance info and phone number and when the police officer came, he ordered him to come back over the phone but he came back in a different car!! Basically we find out that he has no insurance on the car he had the accident in but he said he would pay for the damages to my truck himself. So I went to get 3 estimates from 3 local body shops the next day and the lowest one was for $1,500. I send him the estimates and now he says he can't afford it. But I'm wondering if the pizzeria is the ones that should pay, since he was on the job when this accident occurred? Does anyone know if I should be contacting the owner of the pizzeria to try and get the money for the damages or do I contact my insurance company? And if I do contact my insurance company, will my rates go up for using them? Any help will be extremely appreciated!!! Thank you
You should contact your insurance company, as well as the Pizzeria owner. you may have coverage for UM/UIM uninsured, under insured motorist insurance. This will be your insurance protection in case of things just like what happened to you - the person responsible doesn't have insurance. Definitely contact the owner of the pizzeria.
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