2007-03-22 09:14:02 · 11 answers · asked by Becky F 1 in Cars & Transportation ➔ Insurance & Registration
Every answer so far is 100% incorrect.
Collision coverage on your policy will fix your vehicle no matter who is at fault and even if the driver of the other vehicle is uninsured.
2007-03-22 09:34:22 · answer #1 · answered by blb 5 · 1⤊ 0⤋
This one would be easier if we knew what state this happened in. Not all states have the same coverage requirements.
If the at-fault party is uninsured AND you have collision coverage. Then your collision coverage stands first in line to pay.
If you have both collision AND Uninsured Motorist Property Damage (UMPD) coverage most companies will pay you right away under the collision coverage then when they verify that the at-fault party is uninsured they will "transfer" the payment to the UMPD portion of your policy and refund you any difference in the deductibles between the two coverages.
I have seen many policies where the collsion deductible was $500.00 but the UMPD deducitble was $250.00. In this case the car owner gets $250.00 back once it is verified the at-fault party di dnot have any coverage.
Good Luck.
2007-03-22 20:02:28 · answer #2 · answered by fighting saints 6 · 0⤊ 0⤋
Depends upon how the policy is written written. If it's excess over any other primary line of coverage, you may be forced to exhaust your uninsured property damage limit before your collision coverage will apply.
Because it's a first-party coverage, it won't be excess over the "other guy's" insurance. It will only be excess over another line of coverage you yourself have that is primary.
This is really all academic because collision coverage is generally a primary coverage and not excess.
Most people don't understand that insurance is a financial arrangement that you have made to defray the costs associated with a loss. You aren't a slave to the insurance company. The contract (policy) may state terms you cannot change, like the amount they will pay in the event of a loss, or that you must bear the burden of the first 250 or 500 (deductible), but there are expectations people often have of insurers that are unreasonable. They're not required to take the burden of handling the repair of your car, they simply write a check for the appropriate amount, you do everything else.
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2007-03-22 18:41:50 · answer #3 · answered by s2scrm 5 · 0⤊ 0⤋
If you have uninsured motorist coverage on your policy then you would be covered by that, minus the deductible for that coverage. Your ins company will then go after the at fault party to get their money back. if they do you will usually be reimbursed the deductible amount. If you dont have uninsured motorist then you will have to sue the at fault party for the expenses.
2007-03-23 16:34:52 · answer #4 · answered by CT 3 · 0⤊ 0⤋
Yes. In fact, in most states if you carry collision coverage you must use that first ahead of any uninsured motorist coverage you may carry.
2007-03-22 17:23:17 · answer #5 · answered by Chris 5 · 0⤊ 0⤋
Your insurance needs to be set up to cover you against an uninsured motorist. Otherwise, it's up to your insurance but they can try to sue the other person to get them to pay.
2007-03-22 16:22:36 · answer #6 · answered by xox_bass_player_xox 6 · 1⤊ 1⤋
Yes It will be covered under your uninsured collision insurance -- you should have uninsured and under-insured motorist on your insurance
2007-03-22 16:23:42 · answer #7 · answered by blondie 1 · 1⤊ 1⤋
If you have a uninsured motorist rider on your policy. You should check you policy or call the company.
2007-03-22 16:19:05 · answer #8 · answered by Ron H 2 · 1⤊ 1⤋
It will if you have uninsured motorists coverage. Your ins. co. will cover all of your expenses, then go after the other person for reimbursement.
2007-03-22 16:23:01 · answer #9 · answered by p.aldridgex 2 · 1⤊ 1⤋
You need to contact you insurance company to find out their policy. And you should do this before it happens.
2007-03-22 16:19:52 · answer #10 · answered by Karen G 2 · 1⤊ 1⤋