A tow truck hit my car and progressive says he only has $50,000 in coverage. They have totaled the car but told me I had to file my own claim since he doesn't have enough insurance. This is in Texas and from what I have found he should have a minimum of $300k. He is registered with the state where he had to submit his insurance from what I understand. Progressive won't give me his policy to prove he only has $50k in coverage and told me to file with my own insurance. This is frustrating since I'm now going to be out my 2k deductible and my rates will go up more ( I didn't have the uninsured motorist coverage).

    Now my insurance is not going to total the truck and are using used parts to fix a 6 month old vehicle.

    Is there anything I can do to verify his insurance and also what would you do for them not totaling my car with front and back major frame damage? They said you can try and file a diminished value claim after the vehicle is fixed but I have read mixed things when using your own collision insurance to cover the claim.

    Need help on underinsured tow truck
    byu/JamesCaptainSlowMay inInsurance



    Posted by JamesCaptainSlowMay

    1 Comment

    1. FindTheOthers623 on

      There seems to be a lot of missing info. Are your vehicle repairs in excess of $50K? Are you also seeking payments for your medical bills? I’m not aware of any commercial auto policy that would even allow a limit as low as $50K. Unfortunately, you may have to get your own insurance company involved to work this out with them.

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