Uninsured Motorist rear ended me. Mother (insured) owns the car, son was driving. What should I do?
I was recently rear ended by someone who is not insured - but the owner of the vehicle (the mother) is insured. I have dashcam footage of the accident and a police officer came on the scene and gave them a ticket and provided a receipt to me. State Farm (the insurance company the mom uses) is saying that there isn't much they can do since the son was not insured. Is that really the case? Since the car is insured through the mothers policy?
What should I do here? I'd rather not submit a claim through my own insurance because I don't want my premiums to go up or to pay my deductible.