Ambulance backed into my GS while parked...HELP
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From: ny
Ambulance backed into my GS while parked...HELP
on labor day (9-3-12) i get a phone call from a neighbor informing me that an ambulance had just backed up into my car and destroyed my front bumper, actually taking if apart and crippling my fender. i hurry down and cops are already on the scene. my car was parked legally and was the first after the crosswalk. i'm so upset, the incompetent driver just kept apologizing, the cop made an accident report and i'll be picking up @ the precinct on thursday.
anyhow, my story is my insurance lapsed by 4 days, i understand NY is a no fault state but can i make the claim with the ambulance's insurance directly since i can't obviously involve mine or are the repairs coming out of my pockets?
i took pictures and a video as well as 3 witnesses and their pertaining info.
PARDON THE MISSPELLING... "D" AFTER AMBULANCE IN THE TITLE
anyhow, my story is my insurance lapsed by 4 days, i understand NY is a no fault state but can i make the claim with the ambulance's insurance directly since i can't obviously involve mine or are the repairs coming out of my pockets?
i took pictures and a video as well as 3 witnesses and their pertaining info.
PARDON THE MISSPELLING... "D" AFTER AMBULANCE IN THE TITLE
Last edited by wald.sc400; Sep 4, 2012 at 07:22 PM.
CL Community Team
Joined: Aug 2006
Posts: 12,566
Likes: 231
From: San Francisco, CA
I believe you can work with their insurance directly. If you had insurance, you would have a choice and could go through yours and then have them pay you back, or go through theirs. I dont see a problem with just going through the amburance's insurance. They should be the ones contacting you.
somebody should add "ambulanced" into urban dictionary, defined as, "when your car is backed into by an ambulance"
somebody should add "ambulanced" into urban dictionary, defined as, "when your car is backed into by an ambulance"
Lexus Test Driver
Joined: Sep 2010
Posts: 1,267
Likes: 1
From: ON, Canada
If your car was parked it and not moving then you should be okay. Even if you don't have insurance because you are 100% not at fault. So rather you having insurance wouldn't change the outcome, you would not have to do the fighting or leg work.
Fixed it for you. 
Anyway, doesn't matter if your insurance lapsed or not, since it's the other party's fault, you don't wanna go through your own ins anyway. Just file a claim with the other company and they will cover all the cost including car rental.
Anyway, doesn't matter if your insurance lapsed or not, since it's the other party's fault, you don't wanna go through your own ins anyway. Just file a claim with the other company and they will cover all the cost including car rental.
Lexus Champion
Joined: Apr 2007
Posts: 11,078
Likes: 110
From: Southeastern PA
on labor day (9-3-12) i get a phone call from a neighbor informing me that an ambulance had just backed up into my car and destroyed my front bumper, actually taking if apart and crippling my fender. i hurry down and cops are already on the scene. my car was parked legally and was the first after the crosswalk. i'm so upset, the incompetent driver just kept apologizing, the cop made an accident report and i'll be picking up @ the precinct on thursday.
anyhow, my story is my insurance lapsed by 4 days, i understand NY is a no fault state but can i make the claim with the ambulance's insurance directly since i can't obviously involve mine or are the repairs coming out of my pockets?
i took pictures and a video as well as 3 witnesses and their pertaining info.
PARDON THE MISSPELLING... "D" AFTER AMBULANCE IN THE TITLE
anyhow, my story is my insurance lapsed by 4 days, i understand NY is a no fault state but can i make the claim with the ambulance's insurance directly since i can't obviously involve mine or are the repairs coming out of my pockets?
i took pictures and a video as well as 3 witnesses and their pertaining info.
PARDON THE MISSPELLING... "D" AFTER AMBULANCE IN THE TITLE
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Driver
Joined: May 2004
Posts: 107
Likes: 0
From: New York
You don't even need to get your insurance company involved. This has happened to me mulitiple times over the years.
Its a simple case of property damage, once you get the police report, call the other insurance company and file a third party claim. You are also intitled to a rental while your car is being fixed.
Its a simple case of property damage, once you get the police report, call the other insurance company and file a third party claim. You are also intitled to a rental while your car is being fixed.
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