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Discussion Starter · #1 ·
i was parked on the street at my cousins on New Year's Eve.... and some little shit head hit my truck and the car behind me, then he took off. Luckily someone was outside and followed him, and police got there quick and caught him. Literally left the year with a bang at 1145pm. It's not too much damage, other then to my feelings, the rim, the tire, the fender and bumper scuff. Unless there is axle or suspension problems once they get new tire and rim on and test it all.

Here are some Pix.... do I have any rights other then what the insurance is covering?


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rights? like what? insurance will fix it and then your insurance company will go after his insurance company. You shouldnt be out of pocket at the end of the day. He probably got a DD case to boot.
 

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Same thing happened to us twice a few years back. First a young girl 18'ish hit my bro in law car and try to drive away but she couldnt cuz one her front wheel broke, we can see the scrapes on the road her trying to back up. She then had no choice but to come to the house to get us. The second accident they thought they got away but we found there licenses plate half block away. Lol.
 

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Other rights? Probably not.

You were a victim of an idiot who then committed a crime (leaving the scene). Perhaps two if alcohol was involved. Perhaps three if they were driving around without insurance.

I can remember when hit/run accidents were a rare thing. I hear about it all the time today.

The police and the courts, while likely sympathetic, won't make your situation a priority. It sucks, but that's the way it is.

Be glad you have insurance.
 

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Other rights? Probably not.

You were a victim of an idiot who then committed a crime (leaving the scene). Perhaps two if alcohol was involved. Perhaps three if they were driving around without insurance.

I can remember when hit/run accidents were a rare thing. I hear about it all the time today.

The police and the courts, while likely sympathetic, won't make your situation a priority. It sucks, but that's the way it is.

Be glad you have insurance.
That would be a question. Better directed at an attorney.

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You have one right...the right to be "made whole" they will fix your truck back to where it was before the accident. You're not gonna get a check on top of that for your troubles....Even though it's a serious PITA.
 

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Wow, sorry. I had a similar thing occur at my previous job. Some dolt decided to turn out of the parking spot next to me and made a mess of my front bumper. Luckily he was kind enough to let no one know about it. So I walked out to a wonderful surprise at the end of the day. Hope you get it fixed quickly and back to normal.
 

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Shitty situation, what kind of car were they driving to cause such damage? Hope they have insurance, as most 'uninsured driver' coverage doesn't cover as much as their standard liability.
 

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Everyone's generally right. You can be made whole from this but hardly any more. That's good they actually caught the guy who did this to you, you're in a better position than most. Chances are your insurance will go after him and insurance company will pay for your vehicle. If there is any difference chances are through the court that's where you'll get some sort of restitution but even then don't expect to be completely whole. Any difference out-of-pocket you could theoretically civilly sue him and maybe get a small punitive damage but I wouldn't count on the punitive damage. Like the other guy said in the post you are supposed to be made whole. Keep any receipts of rental car or anything else that you might be out of pocket for because of this like if you run a business and somehow this severely hurt your business income being without your vehicle - that is stuff that you could theoretically sue for outside of being made whole on your vehicle. Even so, don't expect to get it but theoretically you could sue for it.

I am not a lawyer. However I am a police officer who has seen it work this way and also have been a victim recently of my Tundra being hit and run in a parking lot. However nobody caught my suspect in my case. Insurance completely paid for mine. Thank goodness!

Good luck..
 

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The wheel breaking like that looks weird. Like it's plastic.
 

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Did the a-hole have any insurance?? Thats the most important question in all of this. If he does, your insurance company will likely go after his full force...they SHOULD. Your insurance does NOT want to pay for this if they can get someone else to.
This is what they do on a daily basis. You personally need to stay on top of your insurance guy to go after them, make friends with your adjuster or contact.

On the "criminal" side of the accident you have no involvement. You are not injured, etc. Let the police handle it if they are doing anything at all. Let that side of it go, you ain't getting paid anything there.

If he has no insurance then yours will have to cover the whole thing, it is what you pay them to do...unless you want to cover it out of your own pocket, which is an option if the cost is not outrageous to you.

It sucks, sh*tty people suck. I had two doors on the same car completely caved in in parking lots on two different occasions. Hit and runs, sucks.

What wheel is that? Fuel, Method? That's the downside of aluminum, it shatters when hit just right.

Looks like a nice truck...got any pics of it?
 

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That really SUCKS!

(Disclaimer: the following is NOT legal advice. I'm retired, and just sharing my personal understanding of a portion of insurance law, pertaining to my state--your laws may differ, and I may be WRONG.)

But as was noted, IMO (almost) everything insurance-related, said above, is correct--the policeman gave a nice overview. (Retired auto and Commercial General Liability insurance DEFENSE attorney here. However, I specialized in Bodily Injury, not vehicular damage cases, which fall under the penumbra of your "Comprehensive" coverage, a.k.a. your First Party Benefits, i.e., coverage by YOUR carrier, for damage to YOUR truck. Liability insurance--which unfortunately doesn't apply here, as you don't know who the other car's carrier is--is known as "Third Party Insurance/Benefits.")

To clarify one ambiguous statement made by a well-meaning poster above: your "Under/Uninsured" coverage (IF you have it--it's optional in some states) pays ZERO for vehicular damage. Rather, it covers YOUR (potentially severe) bodily injury TREATMENT--in the event that the AT FAULT driver (not you) is un/under-insured. And, to my knowledge, (not that you were injured, happily) un/under-insured coverage would NOT be paying any "pain and suffering" damages, either, btw. Just reimbursing you for your medical needs/treatment(s)--and only up to un/under-insured coverage limits you paid for, which cannot exceed the limits of the liability policy you have.

For example
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If you want $500,000. in un/under-insurance coverage (again, this is for bodily injury only--NOT truck damage) you must CARRY $500,000. in LIABILITY coverage, for "the other guy" (that YOU might injure). IOW, you can't carry only your state's min. rqmt. ($50,000.?) in Third Party Liability coverage, and insure YOURSELF, via un/under-insurance coverage, for more than that same, $50,000. that you were willing to pay for, to protect others from YOU. Want $500,000. in Un/Under-insurance? Gotta carry at least $500,000. in Third Party Liability insurance.

Happily, LIABILITY insurance is the CHEAPEST form of insurance, whereas your Comprehensive coverage (i.e., theft, fire, hail, vandalism, accident-and-you're-at-fault, etc...) is perhaps the most expensive insurance. So buy as much Liability coverage as you can afford, and MATCH it with your un/underinsured coverage, to maximize your own post-accident, medical needs coverage.


Back to Your Situation:
As easy as it is for me to say (as it wasn't my truck that got hit), I'd like to suggest you attempt to be grateful that neither you, nor a loved on, nor anyone else, was walking between that a**hole's car and your truck, when struck, or we'd be having a far, far more serious conversation (not that you'd be at fault, if legally parked, of course).


On a Related Matter: How Fragile Are Most Aluminum Wheels?
No offense, and this is a comment directed at cast aluminum wheel manufacturers, and not at the OP, in any way:

What wheel is that? Fuel, Method? That's the downside of aluminum, it shatters when hit just right.
I feel like skniper and the earlier poster, who said the wheel looked "...like plastic."

That fractured wheel pic is the best argument I've seen yet for steel wheels.
Imagine using your truck for some emergency purpose--pregnant wife to the Hospital, etc..., and somebody cuts you off, forcing you to skid into even a glancing blow with a curb, at city speeds....

A dented steel wheel would most likely still hold air, and would probably be "rounder," post-impact, than a potentially shattered aluminum one. That might matter, IF you chose to continue driving with a flat tire (emergency or off-road situation only, of course).

If I had been told that pic was a close-up of someone's model, RC car, that broke a wheel on a curb, I'd have believed it.

After seeing that broken, aluminum rim, I'm hoping the factory's OEM alloy rims are stronger than that--and I'm glad I have the stock "steelies" on my 2014 SR.

Best of luck with the repairs. Hopefully there isn't serious damage. (Although I didn't study the pics closely enough, due to eye problems, perhaps someone else could comment on whether your wheel looks cocked, indicating potential suspension damage.) Hopefully, IF those wheels are less robust than OEM alloys, it might have "sacrificed" itself by cracking, thus not transferring as much force/damage to your suspension as a stronger wheel might have. :)

If there's no obvious suspension/frame damage, a front end specialist/collision center could do a four-wheel alignment check, to rule out bent suspension, etc..., but for that to be as accurate as possible, the shop should probably borrow a newish, evenly-worn, FULL SET of (mounted) tires, to check your alignment with.

Let us know--and I, too, would like to know the brand/model/size of those wheels.
 

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Discussion Starter · #15 ·
so I got the truck back. good as new. new wheel, new tire, new, fender flare, some new rivets.... no serious damage. everything covered by insurance

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