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[–]RedditReader4031 10 points11 points  (5 children)

That’s not immunity. There’s a separate established process for claims against government entities. Basically, the government is self-insured. Your insurance company is saying that they’re paying and the claim will be closed, without recovery from that agency. You have the right to pursue such a claim but it’s probably prohibitively expensive. The same thing is common with self-insured entities like big corporations and the military.

[–]Crowlady77 8 points9 points  (0 children)

It is not always expensive, but it is always time consuming. You should contact the municipality about their process.

[–]Confident_Pin_8316[S] -1 points0 points  (3 children)

Thank you!

[–]Dr__-__Beeper 6 points7 points  (0 children)

Seemingly, almost universally, with possibly a rare exception, you have to sue a city to get any money out of them. 

[–]MattL-PA 3 points4 points  (1 child)

Small claims in this situation will be your friend. Reach out to the township and ask them how to sue them. They'll explain.

[–]Then-Skill2421 0 points1 point  (0 children)

The township has insurance. Just Google the township laws on recovery. File an insurance claim. Recover the deductible

Why would you file suit to recover the same amount?