insurance. FULL COVERAGE well someone backed up into my car at a high rate of speed. i called the police got a report and called the ins . they want me to pay the 1,000 dollar deductable and wont give me a replacement car until mine is fixed.. i really can't understand that because i have a full coverage policy. i only got a parcal plate number. they said my uninsured motorist wont pay only if they find the person. is the uninsured motorist the same on all policies? in california? i really could use some answers thank you
2006-11-06 15:17:41 · 8 answers · asked by inyrnek 1 in Cars & Transportation ➔ Insurance & Registration
My understanding is that In California you can not get uninsured motorist coverage unless you know the person's identity who hit you and he is actually uninsured. It doesn't cover unidentifiable hit and run vehicle accidents. Full coverage doesn't mean that your insurance pays for everything. When you choose your deductible it applies regardless of fault if you use that coverage. That's why people should NEVER choose a deductible you could not afford to pay right now as things are. Yes, the higher your deductible the lower your premium, but why get 1k if you don't have 1k in your bank account. Also, if your car is driveable you cannot use rental coverage if you carry it. It's for when your vehicle is down for repair or because it is undriveable from the start. And there is a limit to how much that coverage pays too.
Uninsured motorist is different in every state. In some states there is none for property damage. But what I understand of CA is that it's only when the owner of the at fault vehicle is identified but has no insurance policy.
2006-11-07 12:19:37 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
Full coverage is different than uninsured motorist coverage. You have no other party paying for the damage they caused so your insurance is treating it correctly - uninsured damages. As far as the deductible goes, you select it when you purchase your policy. The higher the deductible, the lower the premiums. By the way, most finance companies wont allow a deductible higher than 500. As far as rental reimbursement, this is also a policy option.
Check your insurance policy against other carriers to see if you are getting a good deal.
Sometimes, a dealership will provide a courtesy car if you have the car fixed with them.
Uninsured motorist coverages vary in amounts. I suggest you make sure that your coverage is enough to replace your car just in case your car is totaled out or involved in another hit and run.
2006-11-07 00:54:44 · answer #2 · answered by Anonymous · 0⤊ 0⤋
OK..First off, FULL COVERAGE is not an insurance "term"..there is no such thing as FULL COVERAGE...there is Comprehensive Coverage, Collision Coverage, Liability,etc,etc...depending on whether this incident falls under Comprehensive or Collision- you still are responsible for whatever deductible applies to that category...when you choose to have a higher deductible that means you are taking on more of the "risk" yourself so that you can pay cheaper premiums. As far as the rental car- most companies have rental car coverage as a seperate coverage- its not included with Comp/Collision coverages...you probably dont have Rental Car coverage on your policy, therefore, no they are not going to pay for a rental car. In some states- Uninsured Motorist does not pay for damage to the vehicle- only medical expenses...you need to get a copy of your insurance policy and read it....if you dont understand something or you have questions you should call your insurance Agent.
2006-11-07 11:24:13 · answer #3 · answered by Amy B 3 · 0⤊ 0⤋
Most people have a deductible with their insurance. Some insurance companies offer no deductible but then you pay a crazy amount yearly for that. Full coverage only means that they will cover you no matter what happens to your car not that they for everything. They cover Fire, Theft and if you hit someone they will pay to fix your car. If you didn't have full coverage insurance and you hit someone they will not fix your car and if someone hits you your insurance company will not pay to fix your car. In that case you would hope the other driver has insurance. Your insurance plan will have limits depending on the plan you picked.
2006-11-06 23:27:42 · answer #4 · answered by walkerhound03 5 · 0⤊ 0⤋
I am not totally sure of how it works in Cali but it is true that uninsured motorist portion of your policy will not pay for something you cannot prove that another person did to your car.Therefor they want the deductible amount because it will be claimed and counted under the collision portion of you policy.And of course any claim you make and get paid from YOUR insurance,counts against you when it comes to insurance.Making your insurance premium (payments) go up.
2006-11-07 02:39:42 · answer #5 · answered by Sheila 2 · 0⤊ 0⤋
Life is a ..... sometimes. I bet this is your first new car too. Sorry but your dealing with your insurance. When I was 30 I bought my dream car a bright red Corvette. It was 4 days old and had 5 miles on it. A truck driver ran me over as I was setting at a red light. (He backed over me) Car was a loss and I still owned over $8,000 on it. They said I got a very bad deal and paid to much. That's Allstate for you.
2006-11-06 23:25:04 · answer #6 · answered by Tedi 5 · 0⤊ 0⤋
You either wait until they find the person to have the other party pay for your vehcile or pay your detuctible and wait until they find the person, go through the claims and court process.
Once the other party pays, then your insurance company will reimburse you for the detuctible.
2006-11-07 00:06:00 · answer #7 · answered by PeppermintandPopcorn 3 · 0⤊ 0⤋
Thats why I have a $250 deductable on mine. They will nail ya to the wall if they can.
Temecula CA
2006-11-06 23:20:20 · answer #8 · answered by myothernewname 6 · 1⤊ 0⤋