Doesn't collision coverage insure you if you are hit by an uninsured motorist? I don't need any injury insurance because I have health insurance. I am just wondering about the other uninsured coverages.
2007-01-27 07:08:01 · 5 answers · asked by JDFall 1 in Cars & Transportation ➔ Insurance & Registration
The majority of health insurance companies will not pay for medical treatment as a result of a car accident, and for some reason they do.....they're gonna look to your insurance company first for reimbursement and then you second. So you may want to consider Medical Payments coverage, that covers you the driver and any passengers in your vehicle.
Collision coverage will pay for repairs to your car, less your deductible, regardless of fault, so this isn't an issue. UM & UIM coverage has NOTHING to do with your vehicle damages.
(UM stands for Uninsured Motorists, U I M stands for Underinsured Motorists)
Uninsured motorist coverage allows you to recover damages (injury) you would legally be entitled to recover from an at fault party who doesn't have insurance. If you decline UM or UIM coverage, you must sign a waiver stating you are declining the coverage.
The good thing in CA though...if you are at fault for the accident and the other party is BOTH injured and uninsured....he's barred from collecting on the injury claim, meaning your insurance doesn't pay him pain & suffering, ONLY property damage.
2007-01-27 08:01:59 · answer #1 · answered by bundysmom 6 · 0⤊ 0⤋
If you are hit by an uninsured driver, UIM will pay first and then your collision will kick in. It's always a good idea to carry UIM since it will also pay if you are a victim of hit-and-run. When UIM pays a claim it normally won't affect your insurance rates but if you're in a hit-and-run situation and don't have UIM, your collision coverage will pay but your rates may be affected.
Further, regular health insurance may cover your injuries but won't do anything for pain and suffering or lost wages. UIM will pay for that up to the coverage limits though. Without UIM, you'd have to sue the other driver to recover any of that. Since most uninsured drivers don't have much that you could attach to satisfy a judgement you'd be left holding the bag. UIM hands that bag to your insurance company and makes life MUCH easier for you.
Given the minimal cost of UIM and underinsured motorist coverage, I always carry it.
2007-01-27 07:55:13 · answer #2 · answered by Bostonian In MO 7 · 0⤊ 0⤋
You actually cannot have both Uninsured Motorist and Collision coverage on the same vehicle. You have to have one or the other.
Collision does cover you being hit by a uninsured or underinsured motorist.
2007-01-27 14:50:20 · answer #3 · answered by daango26 2 · 0⤊ 0⤋
imagine about this. if there became a lapse in insurance, you'll ought to get the motor vehicle reinspected with pictures taken, in case you already had an coincidence and then were given insurance for a preexisting concern, dont you imagine they could comprehend that the motor vehicle is already damaged? If this were allowed, no you will get insurance until eventually they extremely had an coincidence, thereby bankrupting all insurance organizations... Does anybody see the irony of this proprietor getting hit through yet another "uninsured vehicle"?
2016-10-16 04:39:16 · answer #4 · answered by ? 4 · 0⤊ 0⤋
Ask your insurance agent.
2007-01-27 07:19:07 · answer #5 · answered by Anonymous · 0⤊ 0⤋