I am insured by worthless Allstate and also have uninsured motorist coverage as required by state law. I was not able to get the hit and run drivers license number because he quickly fled the scene. When I called Allstate about my accident they told me I would only have to pay a $100.00 dollar deductable even after I told them I didn't get any info on the hit and run driver. Then when I went to the local Allstate claims office I got a totally diffrent story.
The claims guy says if you dont know who the other driver is you have to pay a $500.00 deductable.
2006-07-26 16:19:26 · 7 answers · asked by Digital Katana's 3 in Cars & Transportation ➔ Commuting
Same thing happened to me about 4 years ago. I was with State Farm at the time. I had a police report and had to only pay $250 deductible since it was a hit and run and I had a police report. Otherwise, I would've had to have paid $500. It wasn't right, but there wasn't anything I could do. Oh, and I didn't get any info on the car either, other than it was a red truck. I also has uninsured motorists.
2006-07-26 16:24:39 · answer #1 · answered by First Lady 7 · 2⤊ 0⤋
i was in your shoes once with all state,,and came across the same thing,,i even got a lawyer ,,i still had to pay,,and also had to pay a lawyer fee on top of that,,it was my fault for not looking at the contract closer before i signed it,,but it did say i was responsible for the first 500 bucks,,right after that i got a new insurance company,,since then i have had no dealings with Allstate,,i wish you well on this,,but you will have to pay it,,if you want your vehicle fixed,,hope this help,s.
2006-07-26 23:42:25 · answer #2 · answered by dodge man 7 · 0⤊ 0⤋
Sounds like you need to check with your state's dept. that regulates insurance companies. It seems to me that if you have uninsured motorist's coverage you should be OK.
Perhaps your state's insurance commissioner can help you out with this one. Remember, insurance companies are nothing more than decriminalized organized crime. They will try anything to avoid paying on a claim unless you call their bluff. Good luck!
2006-07-26 23:31:59 · answer #3 · answered by mgrenia 3 · 0⤊ 0⤋
You are stuck with any loop hole that they've stuck in your policy. And insurance companies are amazingly good at it too.
Unless you can find the driver to pay up, you'll be the one shelling out the $$ for the repairs...
2006-07-26 23:24:58 · answer #4 · answered by Paul 4 · 0⤊ 0⤋
Yup.....You pay! You bought that policy,that's what you get! Without anything on the other driver,there is nobody to 'charge' the accident against.Just be glad you had insurance!
2006-07-26 23:31:02 · answer #5 · answered by Coffeeman 4 · 0⤊ 0⤋
Unfortunatly you do have to pay...sucks don't it. I did have a policy that waved the deductible in these cases if you got the license plate of the offender. too bad they stopped doing business in my state.
2006-07-27 01:34:15 · answer #6 · answered by toejam 2 · 0⤊ 0⤋
No you shouldn't have to pay anything but dealing with the good hands people you will. You could hire a shyster lawyer but that will only cost you more that you could hope to collect.
2006-07-26 23:26:05 · answer #7 · answered by Billy M 4 · 0⤊ 0⤋