I have uninsured motorist coverage, where the deductable is waived. Shouldn't I be covered considering there is no other insurance involved?
2006-09-25 20:39:50 · 9 answers · asked by brandylita 2 in Cars & Transportation ➔ Insurance & Registration
I live in California and I have Farmers. I can't find anything in my policy about it. I agree they can't prove that this person has insurance, but that can't prove they don't either.
2006-09-25 20:51:27 · update #1
I do have a police report and witnesses since it was a hit and run. I ended up getting pushed into the SUV in front of me and my car has been considered a total loss.
2006-09-25 20:54:45 · update #2
"Well the person who hit you may be insured, you just don't know because he drove off"
Your insurance company is using that technicality to bleed you.
Call them, talk to a supervisor and don't hang up the phone until they waive your ded.
edit-try talking to your agent instead. if he knows he'll loose business he'll fight for you
2006-09-25 20:45:05 · answer #1 · answered by grubblywrigglysquigglywitchety 3 · 1⤊ 0⤋
Because in California Uninsured motorist Property damage does not apply if the driver cannot be identified. That's not your insurance company, it's the state. Every state is different with regard to when you can use that coverage and under what circumstances. Some only allow you to use it if you have a known person whose insurance has cancelled or is uninsured, and CA is such a state.
So your collision coverage is what is used, and that's the deductible you selected regardless of who is at fault. If you ask your carrier they will tell you that as well. It's not a matter of pursuading a supervisor to see it your way, and your agent probably doesn't even know anything about coverages. They never do, they just sell the policy.
2006-09-25 23:52:35 · answer #2 · answered by Chris 5 · 1⤊ 0⤋
Yes, you'll have to pay your deductible. But it's possible you'll get it back....
The only way this could happen is if you caught the guy's license plate number. Your adjuster could then do a look up and find out his info and insurance information. You would get your deductible back once the guy's insurance company pays your company back.
If he's not insured at all, his previous company (or whatever is listed on his registration) will send your company a denial letter and then that allows access to your uninsured motorist coverage, where there is NO deductible.
Ofcourse, if you don't have the guy's plate number, you're screwed and your policy will have to pay to fix your car.
If it's a total loss, they may just cut you a check, minus your deductible.
Good luck!
2006-09-26 04:42:57 · answer #3 · answered by mktobyjo 3 · 0⤊ 0⤋
Bottom line:
Vehicle insurance is just about the only business I can think of that has a law saying people have to buy their product. Then they go and get more lawyers/attorneys to write the wording of their policies in such a way that it can all be paraphrased as : the Insurance Company will pay to the insured as little as possible while being able to raise the premiums of the insured for various reasons such as: it being a month with at least 20 days in it, it being a year containing the month of July, it being daylight, it being nighttime, etc etc or anything else which may give a pricing advantage to the insurance company.
2006-09-25 20:52:47 · answer #4 · answered by quntmphys238 6 · 1⤊ 0⤋
It depends on how your auto policy is written. Go over it. Read the fine print. As your insurance agent for help in person. Know the insurance rules in your state.
Visit your auto insurance agent. Usually local agents will tell it to you straight, while someone over the phone is just reading from a script. Often the first person you report the accident to at the insurance phone number listed, is just sitting in a call center. They might not have all the answers.
2006-09-25 20:44:55 · answer #5 · answered by opheliaissaved 3 · 0⤊ 0⤋
no longer something so that you could do now except pay for the damages. i do not comprehend the precise workings of you and your father and mom' coverage coverage even though it sounds like the damage led to changed into minimum and likely no better than your deductible. yet no matter if the damage is slightly better than your deductible, reporting it to the coverage agency will likely enhance your coverage charges. For destiny reference, you should have made particular that the different motive force changed into following you to pull over; watching what they were doing on your rear view mirror. Worst case situation, they could have gone by you and also you've gotten their LP.
2016-12-02 02:11:12 · answer #6 · answered by Anonymous · 0⤊ 0⤋
the same thing happened to me like 2 weeks ago..Some loser ran a stop sign..I have uninsured motorists as well..I had to pay the deductible, I think the only way you get out of it is if the person that hit you was nice enough to get out and switch information with you..Or If you coulda gotten a police or witness statement
Just know that he/or she will get whats coming to them..Karmas a *****
2006-09-25 20:50:06 · answer #7 · answered by ~Love is Blonde~ 1 · 1⤊ 0⤋
It's a state thing ...Chris ^^^ is right. If the same accident happened in let's say PA you would be covered and not have to pay the deductible.
*Total Loss that sucks, but now you have an excuss to get another car
2006-09-26 02:35:12 · answer #8 · answered by COLE 3 · 0⤊ 0⤋
Exactly. Insurance companies sticking to ya.
2006-09-25 20:51:15 · answer #9 · answered by Brad B 3 · 1⤊ 0⤋