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<blockquote data-quote="JohnNephew" data-source="post: 425993" data-attributes="member: 2171">I don't know about your state, but in Minnesota we also have to have &quot;uninsured/underinsured motorist&quot; coverage -- coverage that protects us if a person in the accident with us didn't have insurance (which, if they're in Minnesota, is illegal,--but that doesn't help you when a drunk with a revoked license decides to go four-wheel-ice-skating down a winter road at you).&nbsp; If you have such coverage, this might put you in the odd position of suing your insurance company, if they didn't cover you well enough, even if there isn't any money to be gotten from the woman who caused the accident.&nbsp; If you're consulting an attorney, I'm sure he or she will know all the angles.Be sure to check into tax deductibility of any losses that aren't covered by your insurance, however it plays out.&nbsp; Isn't there a place in itemized deductions for losses from theft, vandalism, catastrophe, etc.?As others have said, this really sucks, and you have all our sympathies.</blockquote>

[QUOTE="JohnNephew, post: 425993, member: 2171"] I don't know about your state, but in Minnesota we also have to have "uninsured/underinsured motorist" coverage -- coverage that protects us if a person in the accident with us didn't have insurance (which, if they're in Minnesota, is illegal,--but that doesn't help you when a drunk with a revoked license decides to go four-wheel-ice-skating down a winter road at you). If you have such coverage, this might put you in the odd position of suing your insurance company, if they didn't cover you well enough, even if there isn't any money to be gotten from the woman who caused the accident. If you're consulting an attorney, I'm sure he or she will know all the angles. Be sure to check into tax deductibility of any losses that aren't covered by your insurance, however it plays out. Isn't there a place in itemized deductions for losses from theft, vandalism, catastrophe, etc.? As others have said, this really sucks, and you have all our sympathies. [/QUOTE]

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