sounds like you are getting screwed. Insurance is for vehicles, not people. Everyone that drives the vehicle is covered unless the policy expressly does not cover that person or anyone other than insured. Not covering a named person is smart if you have a teen driver that will not be driving your Ferrari, that way, adding said tenn to your policy will not increase the insurance on the Ferrari.
If truck ower is playing stupid, then the truck that was involved in the hit and run would be impunded pending investigation. That is unless Texas really has fallen off the map. It would be treated no differently than a stolen vehicle at that point. So if we reversed this and it was your stolen car that committed the hit n run, then your car would still be impounded now and there would be nothing you could do to get it back until the cops were finished with it. I have heard this taking months and then insurance companies buying it out anyway even for a small fender mishap....especially if there are impound/towing/storage fees.
Either way, it sux. Contact your insurance and let them fight for you. They have a better chance of winning. A lawyer will just get 1/3 of what he gets for you if he wins. Insurance companies battle like this everyday. Some insurance companies play well with each other also.
09 G8GT, Stryker, sport/prem
08 GXP, Mean, Auto
03 Excursion Limited, V10, 2WD and 37s
94 Bronco XLT, 5.8L, very rusty and 35s
07 GXP, Mean, manual-RIP 1Apr13 @14K miles
Last edited by juspimpin; 11-28-2012 at 01:07 PM.