If you are the suspect being pursued by the police in a vehicle and experience a PIT maneuver resulting in damage to your financed car, what steps should you take to address the repairs? Should you file a claim with your insurance?
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If you find yourself in that situation, it’s important to consider a few key points:
Insurance Coverage: If you have comprehensive or collision coverage on your financed car, you may be able to file a claim with your insurance company to cover the damages. However, keep in mind that if you were fleeing from the police, there may be complications regarding your coverage, as many insurance policies have exclusions for illegal activities.
Responsibility for Damages: Since the PIT maneuver is a police tactic used during a pursuit, you may want to reach out to the police department for an explanation of the incident and find out if they accept liability for the damages caused by the maneuver. This could lead to compensation from them.
Consult with a Lawyer: Given the legal context of your situation, it might be wise to consult with a lawyer. They can provide guidance on your rights and options regarding repairs and insurance claims.
Financed Vehicle: Since your car is financed, you will need to ensure that any repairs do not violate the terms of your financing agreement. It’s essential to communicate with your lender about the situation.
Ultimately, the best course of action is to review your insurance policy, contact your insurance provider, and speak with a legal professional to navigate this complex situation.