I live in the north, roads were very icy. Driving home last week slightly below speed limit. I was in left lane, car to my immediate right in right lane, started to swerve into my lane, I tried to avoid him by going to my left. At that time, we both hit an ice patch and I spun out of control hitting the guard rail. From that time on I basically blacked out and came to a few minutes later walking around in the snow. Ambulance came, police etc. The other driver must have kept going. No wittnesses at all!
My car was totaled and I do carry uninsured coverage. I was transported to hospital. Diagnosed with a consusion, needed 4 stitches, has bruising etc. Cat scan exrays were done.
The police report simply states a single car accident, caused by icy conditions. I recall telling him about the other car forcing me into the ditch, but he never added it to report. As the ambulace was tneding to me, another car crashed in the same spot. It was insane. Will unisured coverage cover this?
2007-12-23 14:58:31 · 6 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Simple answer - No
Involved answer - are you asking about the car or the hospital bill? Since there is no proof of another car you uninsured motorist coverage won't cover your hospital bill. Remember you uninsured motorist coverage only covers medical, that is why you need collision coverage.
2007-12-23 15:38:44 · answer #1 · answered by Anonymous · 1⤊ 0⤋
Others are incorrect... for the most part...
Liability will provide coverage for damage you are responsible for. It also provides a defense if needed. I'm guessing lacking any "good" information that another vehicle caused you to hit the guard rail they will pay for the property damage caused by your vehicle.
There are two flavor to uninsured motorist (UM) coverage, UM property damage and UM Bodily Injury. Most states don't require UMPD so lets assume you have UMBI. UMBI addresses _your_ injury when someone else is liable and has no _viable_ insurance to address your loss. It _would_ apply in cases where the other driver left and no information is known about that person. But policies usually contain a clause stating that there either needs to be contact between the vehicles or some indication that another vehicle was involved (impact, witnesses, etc). In this situation I don't think your going to be able to "prove" another vehicle was involved. Even the police report currently states that only your vehicle was in the accident.
Again: Some states/policies _DO_ allow UMBI claims to be filed if no contact. It depends on the _state_ where the accident happen. This is governed by case law (and therefore, policies usually don't contain the "no impact" clause if the state allows it)
2007-12-24 12:05:36 · answer #2 · answered by Todd C 4 · 1⤊ 1⤋
Ah, the problem is, uninsured motorist ( a liability coverage) only kicks in when someone ELSE causes the accident. And they didn't - there was no contact between your two cars. You're not FORCED into the ditch, until there is contact between the two cars. So I agree, it's a single car collision.
Uninsured motorist coverage will not apply.
If you have medical payments coverage or PIP coverage on your policy, that would cover your injuries. If you have collision, that will cover your car.
2007-12-24 15:07:04 · answer #3 · answered by Anonymous 7 · 0⤊ 0⤋
No, it will not.
The coverage you have is this: liability, which pays for damage you do to other people's stuff, and uninsured motorist, which pays for your damages IF the other driver doesn't have insurance.
You do not have collision coverage, which would pay for your car when you're in an at-fault accident. In this case, you do not have the necessary insurance to fix your car.
However, your insurance company will have to pay for the guard rail that you damaged.
The ambulance, emergency room, xrays, stitches, cat scan, etc would only be covered if you had either collision coverage or medical payments coverage.
Bottom line is this: you will get bills for the ambulance and the hospital. Those are your responsibility. If you have medical coverage at work, it may cover those bills for you. The damaged car is your responsibility. You don't have insurance to fix it.
2007-12-23 23:07:55 · answer #4 · answered by Stuart 7 · 2⤊ 2⤋
Probably not. Theres absolutely no proof another vehicle was involved. Tons of people commit insurance fraud and say there was a second vehicle when there wasnt so their UM will kick in.
You have NO PROOF. Police report says it was single vehicle.. are there any marks on your vehicle to show the other car hit you (paint transfers etc?)
Sorry... your pretty much out of luck. You can attempt to change the police report.. that may help. But if the other vehicle made no contact with you.. and you just swerved to avoid.. you were at fault for this.. you cant cause one accident to avoid another.
2007-12-23 23:07:54 · answer #5 · answered by la428282 6 · 2⤊ 0⤋
No it will not. The only type of insurance that would cover this would be collision. As far as you and your insurance company is concerned there were no other cars involved. Liability would be used if you damage someone else's property. Uninsured would be if someone else hit you and didn't carry liability.
2007-12-23 23:15:15 · answer #6 · answered by Caroline 3 · 1⤊ 1⤋