I realize this may vary from state to state. So, in general.
2006-09-14 17:19:53 · 21 answers · asked by dullerd 2 in Cars & Transportation ➔ Insurance & Registration
I should add that you don't witness the incident.
2006-09-14 17:21:02 · update #1
If you carry collision you can file on it but your deductible will apply and some companies will hold the claim against you. If you carry uninsured motorist property damage that will apply
2006-09-14 17:27:46 · answer #1 · answered by jim4xracing 1 · 1⤊ 0⤋
it really is exactly what's incorrect with u . s .. Get an lawyer, Sue!!! first difficulty, No sturdy lawyer is going to take a declare like this as there is not income it. Any settlement you get might want to be decreased by employing a third it really is his take. second, you've insurance. you chosen your deductible. your deductible applies each and every time something occurs for your motorized vehicle regardless of fault. third, the different insurance organization has to do an come across effortless techniques to be sure in the experience that they are legally responsible. develop into the guy whow as employing the motorized vehicle the owner or a named motive force on the coverage? if not, this in basic terms were given 10 circumstances extra complicated for you. If he hit more effective than one motorized vehicle there might want to nicely be a limits difficulty,meaning there received't be adequate insruance to bypass round. you've a duty to mitigate your damages. this will also recommend your getting again and forth to artwork. the different insurance copmany received't owe for this as you've taken public transpotration ( pricey lord) or were given a chum to take you or regardless of and then kept the receipts for compensation or you've further condominium reimbursment for your own coverage and dealt with each and every thing there. My suggestion is enable your insurance organization safeguard it and get you again on the line. they are going to take care of all that ought to be dealt with with the different insurance organization inclusive of attempting to get well your deductible. if an lawyer atcually took this situation, your $6000 damages might want to finally end up paying your lawyer $2000, and also you $4000 a lot less your dedutible of $1000 which leaves you with $3000 to fix damages of $6000!
2016-11-27 00:01:19 · answer #2 · answered by Anonymous · 0⤊ 0⤋
You need two things:
- Full coverage auto insurance, meaning you must have liability coverage and comprehensive and collision. You will be subject to pay a deductible if you have one.
- A police report.
In most cases, if you have full coverage and can get a police report, then yes, you will be covered for the damages. Witnesses are good to have too, if available.
2006-09-15 06:14:28 · answer #3 · answered by Beth 4 · 0⤊ 0⤋
If you have collision coverage it will cover the damage. Your rates may be affected by the claim however.
If you have uninsured motorist coverage it will cover the damage without affecting your rates.
If you have both collision and uninsured motorist coverage, the uninsured motorist coverage will pay first up to its coverage limits and then your collision coverage will kick in to cover any remainder.
This is universal throughout the US. The only differences are the requirements to carry uninsured motorist coverage. It's mandatory in some states and optional in others. Some states require you to specifically decline the coverage. Given that it is very cheap in most states it is unwise to refuse it.
2006-09-15 02:23:02 · answer #4 · answered by Bostonian In MO 7 · 0⤊ 0⤋
Yes, they will pay for it. A suggestion though even if you didn't witness the accident, you should go back to the scene and ask people around there if they did witness it. Also, if it was in a business parking lot or near one, you should go around to all the businesses down there and see if they have any video cameras that may have gotten it on tape.
2006-09-14 17:27:52 · answer #5 · answered by HULK RULES!! 7 · 0⤊ 0⤋
Yes, if you have comp and collision it will be picked up in most states. It would be better if you called the police and had a report filed.
Keep in mind your premium may go up, even though it's not your fault. So you have to weigh the cost of the damage after your deductible vs. years of higher premiums.
2006-09-14 17:28:18 · answer #6 · answered by I'm_Bored 4 · 0⤊ 0⤋
If you have collison coverage, yes, they will pay for the damages. If not, then no, they won't pay for your damages and you are SOL. There are some stupid people out there who need to learn that hit and run is not legal and should be punishable by jail time.
2006-09-15 17:34:29 · answer #7 · answered by wiegel81 2 · 0⤊ 0⤋
If you have uninsured motorist (UM) coverage you can file a claim under that particular coverage.
-If you don't have UM coverage then you can file the claim under collision coverage. In both cases you will have to pay your deductible. Most insurance companies will ask you to go to the police station and file a police report for the claim file.
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In short, yes if you have either UM or collision coverage.
2006-09-15 09:13:33 · answer #8 · answered by Sal G 4 · 0⤊ 0⤋
Yes. I had this happen to me in front of my house (!) and the insurance covered it. I still had to pay my then $500 deductible though... man I wish I could've caught that mudderhumper
2006-09-14 17:28:09 · answer #9 · answered by cynthetiq 6 · 0⤊ 0⤋
YOu may need to have a police report, too for the insurance to pay.
2006-09-14 17:27:25 · answer #10 · answered by First Lady 7 · 0⤊ 0⤋