Long story short me and my car got hit by a bus and the guy took off. I’m fine, but the car is damaged. I need to pay for most of the repairs because of insurance issues. I can afford it, but it’s still expensive. I’m starting to have self-doubt, this is my first car accident 😭 
Insurance is such a scam, i despise it.
Over the past 7 years I’ve paid my car’s initial worth in insurance payments, it’s great.
And the time you actually need it, they will refuse to cover the costs.
I’m confused, the car insurance is for if you hit something or someone else to pay them, surely? Why’s it gotta have anything to do with how much your car costs?
I’m reflecting on how much value has been extracted from me. If I had been able to keep the yearly insurance payments, I could have bought the car all over again.
wait why do you have to pay if they hit you?
Because you’re supposed to get the other persons insurance and your insurance goes after them.
If there’s no one to charge, then how can the insurance trust you? What if you damaged the car yourself somehow and are trying to pass it off as car damage?
They will do anything not to pay. There is also a reason why “Hit and Run” is a felony.
I missed the part about how the guy hit and ran
All good! Hit and runs suck.
Did you call the cops when this happened, got their license plate number?
No. Because no one was hurt, the insurance company said i can call a non-emergency number and nobody answer that number. I didn’t see a license plate too
Make sure you call the cops, because it provides further evidence that it did happen, and your insurance is less likely to be able to worm their way out of doing their fucking job.
Because I bought the cheapest insurance that would only pay for the damage I caused to the others. Even I call the cops they still not pay me anything
In my country non-emergency police requests are, generally initiated by submitting a written request. That said traffic problems generally are handled on scene by the road police, and they usually want to photo and catalogue everything, so leaving might have been a problem in that regard.
However, you can still probably open a case and hope CCTV or some dashcam caught the situation.
E: This may or may not solve your insurance issues too. I have to imagine the reason they are denying the repair bill is due to the accident not being properly filed with the police?
