Lets say you have a car that is parked and hit. You have insurance for basic liability and uninsured underinsured motorist coverage only. How can you recover for the value of your vehicle?
Find out if the other party has insurance. If they do, file a claim with that insurance company. If you cannot get the insurance company’s phone number, the Department of Insurance can provide you the contact information via their website.
If the other insurance company denies your claim, which seems doubtful, then you can file in small claims court against the driver and the owner. (Of course, if your vehicle is worth a lot of money, you may need to hire an attorney and sue in Superior Court.) If the other insurance company denies coverage or the other person has no insurance, then your uninsured motorist coverage will pay.
As for your damages, you are entitled to the fair market value of your car. You are not entitled to emotional distress, pain and suffering, or anything else, except for loss of use until you are paid the value of your vehicle.