should your deductible be applied if you were involvd in a hit/run, and should this be covered under unisurd?

Answer 1

Uninsured Motorist is a BODILY INJURY coverage. In some states, there's a coverage called uninsured motorist PROPERTY DAMAGE, but that ALSO has a deductible on it.

So yes, your collision deductible WILL BE APPLIED to physical damage to your car from a hit & run driver, unless you have uninsured motorist property damage (again, not available in all states) in which case, your UMPD deductible will be applied.

Answer 2

Not sure about your state, but insurance laws seem to be fairly standard with only minor revisions.
The misconception most people have is that uninsured motorist covers your vehicle. It covers your medical expenses, in the event you are hit by an uninsured motorist.
As for repairing your car, it will fall under your collision on your policy, and yes you pay the deductible. But it should not be surchargable against you. Which means,,you will not get an accident surcharge on your policy.

Answer 3

The deductible applies regardless of fault. When you took out your policy - you agreed to pay for the first (ex: 500) worth of damage to your vehicle if the insurance company would pay the rest.

If this would be uninsured motorist or not - depends on the laws of your state. In NC - the pd is not uninsured motorist but a bodily injury is. In SC - the pd/bi can be uninsured motorist if certain other conditions are also met. The adjuster will be able to explain if it is/is not uninsured motorist. Or if your more comfortable speaking to your agent ask them.

Answer 4

Unfortunately your deductible will apply. Uninsured coverage only kicks in if the other party is identified and lacks coverage. A hit-and-run is usually a Collision loss, which could raise yor rates.

Answer 5

Yep. It also depends on the insurance company and their rules and policies. That's why it pays to read the fine print. I was just in a hit and run a month or so ago in Phoenix and I had to pay the deductible to fix my car. I wasn't at fault, so no worries, but it still sucked. But don't worry, my hit and run was followed by a chase and catch sequence, and they were severely fined.

Answer 6

Depends were you the person who hit and run? or where you the victim of it. It also depends on what state your in, what company you use, weather you have full coverage or just basic.
You need to read your Insurance information to see whats covered for more details. Beyond that I don't know how to better answer your question..... sorry

Answer 7

Your deductible will always be applied.

Answer 8

if you were hit and the other person left it will be uninsured motorist with a $200 deductible