Location: IN, USA
A little over a month ago I was working in a new construction house and person from a different trade backed into my parked trucks front bumper. He admitted fault, gave me his insurance info, and went our separate ways and let insurance do its thing. He has horrible insurance…1.5 stars on 700+ reviews on google so I already knew they would pull some shady crap to deny the claim, which they called me yesterday to give me just that news. Now i’m stuck going after the guy who hired them to get this sorted out since I don’t have the phone number of the one who hit me. I don’t want to go through my insurance because then i’d have to pay a $500 deductible (which I can’t exactly afford right now) and deal with the raised rates for something I had absolutely no part in. He was parked 50 feet away from me and I have absolutely no clue how it happened in the first place. Now my question is, what options do I have, if any? Can I take legal action for him not paying for damages he caused? Or am I just stuck with a messed up bumper unless I get absolutely screwed by my insurance.
TIA!