car insurance.Full coverage?

Question

I had an accident and some one hit me with no insurance. I had full coverage on my vechicle. My insurance company paid for the expense. With full coverage I thought it would include uninsured motorous is this true or not. Thank-you

Answer 1

When a vehicle has "full" coverage, the policy covers damage to the vehicle whether it was your fault or not. In this case, your insurance company covered the damage to your care (as you pointed out) and will go after the uninsured motorist for restitution.

You may also be able to sue the uninsured motorist for reimbursement of your deductible if you policy does not have a provision for deductible waiver for accidents caused by uninsured motorists.

Hope this helps.

Answer 2

Full coverage is a very nebulous term, I never use it but the public uses it freqrently. The term implies that I'm covered for everything which is erronous, you can alway buy more coverage. If you told your insurance company you wanted full coverage and they didn't provide uninsured motorist coverage this is a flagragent omition. Now whether this will carry any weight will be based on other facts, if you've been getting coverage statements for 2 years as opposed to you just took out the policy.

Answer 3

If your insurance paid for the damage to your car, what exactly is the question? Uninsured motorist is normally a seperate type of insurance. Many States now require it.

Answer 4

Maybe. At some agencies it is. Usually full coverage is just liability, comprehensive, and collision coverage. Many people don't want the uninsured motorist coverage because of the cost.

Answer 5

no you have got to tell them you want it