Auto Insurance Claims: Auto Claim question, auto insurance policy, insurance policy number

Question
My vehicle was recently backed while parked. I heard my alarm go off and went to investigate. A lady driving a large Chevy Suburban backed right into my vehicle causing the license holder to fall off and causing an indentation on the grill. She stopped and I got her name, address, phone number, license number, along with the vehicle information such as the plate number, year, make and model. However she stated that this was not the vehicle she regularly drove and she would contact me with her insurance information. When she called me later that day, she gave me an insurance policy number and the number to submit a claim. I did that and three days later her auto insurance company called stating that she was not covered by the policy. It was her husband's policy and since it is only his name on the account, he is the only one the policy covers. Also, I didn't contact my auto insurance policy holder because I feared that my rates would go up. Thinking back, I know that I should have got the insurance information of the Chevy Suburban that the lady was driving, but I failed to do that. How should I approach this topic? I believe that since she hit me (while my vehicle was parked) she should be responsible. And states require automobile insurance, I thought that meant on the vehicle itself, not only on the driver driving the vehicle.  Please help.

Thanks, Dustin

Answer
Hi Dustin,

You should send a certified letter to the lady telling her what the insurance company told you. You should also get an estimate to repair your car. In your letter to the lady you should tell her that if she does not contact you with in 3 days to make arrangements to pay the cost of the repairs, that you will go to the police and report her for driving an uninsured vehicle and that you will fle a law suit against her for the cost to repair as well as all costs to bring the suit.  The is she does not respond, you should do the steps she indicated in your letter.

I hope this helps
Richard Hixenbaugh