Even if you had only $1m Liability. If the other person had OPCF44 and they had a $2m liability then she can sue you for that amount. Your insurance would cover for you $1m then recover the remaining loss from you. This would be an extreme situation depending on the severity of their injuries.
I work for an insurance company. This situation would follow the insurance/driver. If I borrow your car get into an accident in areas where its my fault you will now have an at fault accident under your name provided that I am not insured anywhere else. Even in the cases where I am insurance...
Sorry Greyghost but that's not the case. You can be charged with a Collision Not at fault - this is when you claim for a hit and run without any plates/proof/witness.
Yes this will be rated as a Hit and Run and this will not affect your rates, however as you stated you will be charged with a deductible and your absolutely correct once they find the plates your deductible will be refunded and this Claim will turn into DC PD under third party liability, the...
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