If a drunk driver rammed my car and ran away, would my insurance company pay out?

Question

If a drunk driver rammed my car and ran away, would my insurance company pay out?

Answer 1

that is called a hit and run or phantom vehicle and would be covered under your UNINSURED motorists coverage which should be minimally required by every state. The more coverage the better. Many people only buy the minimum for liability which may not cover all your injuries. But for pure property damage, your UM coverage should be enough but check the limits. Also you should get UNDERINSURED coverage for when people hit you with minimal liability coverage but its not enough to cover your damages

Answer 2

If you have collision and un-insured motorist coverage, YOUR company will pay the costs and then try to find the driver and/or owner of the car and recover from them.

If you have a deductible you may have to recover that portion of your costs from the driver / owner and if your policy does not cover some expenses (like car rentals) you will also have to go after the other person.

good luck

g

Answer 3

If you have collision and uninsured motorist coverage, yes.

Anybody without uninsured motorist coverage is crazy.

"Nowhere would the effect be greater than in Los Angeles County, where an estimated 23% of drivers are uninsured, compared with 14.3% in the state at large. According to 2003 California Department of Insurance statistics, the most recent available, Los Angeles County had 1.4 million uninsured motorists."
http://www.latimes.com/business/la-fi-suspend6dec06,0,5656833.story?coll=la-home-business

Answer 4

If the driving force replaced into insured totally finished they might pay out, you would be vulnerable to pay any get admission to. you may loose your no claims bonus except thats insured besides.

Answer 5

yeah thats there problem not yours