I'm getting insurance in Florida, and I talked to a progressive guy yesterday, and he didn't mention that, so does that mean my policy probably wouldn't cover uninsured drivers hitting me?
2006-10-05 05:26:57 · 19 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
i live in Mass and about 10 years ago i was hit by a hit and run driver .. my ins covered everything.
2006-10-05 05:28:42 · answer #1 · answered by D.C 2 · 1⤊ 0⤋
Depends on the state. If you have collision coverage you will be covered no matter where the policy is based. Some states, like VT for example have what is called Uninsured Motorist Coverage. This will cover you even if you have a liability only policy. There are stipulations attached, however.
2006-10-05 09:15:13 · answer #2 · answered by Steve P 1 · 0⤊ 0⤋
I'm in NJ, and I know I have a specific part of my policy that is for uninsured drivers - that pays for damages to you or your vehicle for an accident from an uninsured or underinsured driver.
THere is another part that covers it also, I think it falls under my comprehensive coverage.
I'd make sure though, because if you get tagged by a delinquent, then it just sucks!
Worth the extra 10 bucks a month.
Great quesiton by the way, the verbage in policies is so complicated.
2006-10-05 05:36:38 · answer #3 · answered by Anonymous · 0⤊ 0⤋
I just bought insurance from Progressive and I think uninsured comes standard, you just needed to choose the level of coverage. I made sure I had decent level because I can't afford to be without a car or out of work from someone else's negligence. This is Delaware though.
2006-10-05 05:34:21 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Depends on of you just have just liability or full coverage. I just had liability and got hit in the side of my jeep by an uninsured driver and my car insurance didn't pay for my damages, I had to take her (uninsured driver) to court to get my vehicle paid for. But that's in Ky I don't know how that works in FL.
2006-10-05 05:33:28 · answer #5 · answered by Anonymous · 0⤊ 0⤋
I dont know how it works there but here in Australia if an uninsured person hits you, you claim through your insurance and then the insurance company chases the person who hit you for the money so you dont have to work it out - its all done for you.
2006-10-05 05:31:08 · answer #6 · answered by ♥Kazz♥ 6 · 0⤊ 0⤋
I don't think uninsured motorist coverage is optional in your state, so your insurance will probably pay out. It is subject to an automatic $250 deductible usually....
2006-10-06 13:07:44 · answer #7 · answered by RoseRed 2 · 0⤊ 0⤋
Make sure that your insurance policy actually does cover uninsured drivers. Otherwise, you are up that well-known creek without a paddle.
2006-10-05 05:32:05 · answer #8 · answered by GreenHornet 5 · 0⤊ 0⤋
it depends on whether your policy contains uninsured motorist coverage. if it does, then they would pay, if not they wouldn't. just ask the insurance co. if it does or not, and if it doesn't, and you want it, tell them to add it (for an additional cost, I'm sure).
2006-10-05 05:35:52 · answer #9 · answered by Anonymous · 0⤊ 0⤋
In some states you can reject uninsured motorist coverage, and in some states it is required. You should call back and ask.
2006-10-05 10:12:28 · answer #10 · answered by Chris 5 · 0⤊ 0⤋
Do you have uninsured motorist coverage on your policy???
It's an option you must pay extra for it.
2006-10-05 05:33:51 · answer #11 · answered by usaf.primebeef 6 · 0⤊ 0⤋