- 1,016
several thoughts come to mind:
- Who hits 4 parked cars without being on a psychotic rampage?
- Many delivery drivers have the wrong insurance (carrying a personal auto policy instead of commercial auto). I cringe when I read a help wanted ad for a delivery driver that says "must have proof of auto insurance" (which implies that a personal auto policy is ok). I see it quite often. Consider yourself lucky there.
- I am surprised that a commercial auto policy would only have property damage liability limits of 10K. You may want to look into what b61mack suggested.
- Also, consider yourself lucky for the fact that you were driving around without insurance, got hit by a hit and run driver.... and are still getting paid!