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Car Insurance Question  My 1986 Toyota pickup was parked and hit by another driver. The truck is totaled. I only had liability insurance. I do not know about the other driver.Is it reasonable to expect to receive any kind of compensation?

Since you only have liability insurance on your Toyota truck and not collision or comprehensive (probably due to its age) your insurance will not cover the damages or cost of the vehicle if it is totaled. If you mean by "I do not know about the other driver" that you do not know about their insurance then the first thing to do is get their insurance information and call to submit a claim. In most instances if the other party was found to be at-fault then you should expect to be reimbursed for your repairs or vehicle.

If you do not know who hit your vehicle I would still make sure that you contact the police and get a report on the incident. You may also talk to those around where your vehicle was parked to see if anyone got the license plate of the car that hit yours so you can find the party that hit your Toyota.

We can offer you insurance on the vehicle you purchase to replace this totaled vehicle. If it is a newer vehicle you will want to add collision and comprehensive on the replacement truck or automobile.

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This car insurance question was asked on 12/10/2005
This auto insurance answer was last updated on 12/12/2005
Don requested this car insurance solution.
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