So, April 12th my Fiancé's 2018 Mazda 3 and my 2023 Dodge Challenger were hit by a 19 yr old kid who fell asleep at the wheel in front of our house heading to work. We were legally parked in our spots on the curb. Police come, give us the report cars are towed away. Fiance's car is deemed a total loss. My car is still being evaluated by the insurance company/body shop. Location: Pennsylvania. The kid who hit us was driving his fathers car who had state minimum coverage and the kid was not listed on the policy as a additional driver. We all have the same insurance company. Few days later Adjuster reaches out about the claim we filed against the driver's fathers insurance and they say that because he has state minimum coverage ($5,000) Property damage liability that we have to submit claims under our individual policies, (We are not combined yet)

Reach out to the kids father and talk to him via phone call asking for him to do the right thing and help us out financially for the cars being hit.…