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Do you have to pay the deductible when your car is damaged by a hit-and-run driver if you have uninsured motorist coverage?


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Wiki User
2015-07-15 21:37:50
2015-07-15 21:37:50

This varies depending on your specific insurance company.. I am a claims adjuster for a California Insurance company. Our policy reads that as long as you have some sort of id for other party ie lic plate, we will waive or reimburse your ded. Without id you are on the hook.

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If you do not have an uninsured motorist property damage coverage, your collision might be used to pay for the repairs to your car, in which case your collision coverage deductible will be used.

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Uninsured motorist coverage provides insurance coverage when you are hit by a person who has no insurance coverage. You uninsured motorist coverage will take the place of the insurance that the other person did not have and will cover your damages just like theirs should have if they had it. The only difference is that you will have a small deductible for property damage coverage.

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The California Collision Deductible Waiver (CDW) is coverage which waives your collision deductible if you are hit by a negligent uninsured motorist. The CDW option with a personal auto insurance policy in California pays your collision deductible when you carry collision coverage on a vehicle that is damaged by an uninsured or hit-and-run motorist who is at fault. Coverage typically applies only when there is actual physical contact and when you can identify the uninsured driver or vehicle. Some insurance companies will not even talk about the coverage even if it is included in your policy until you bring it to their attention.

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It is not a mandatory coverage. However, you have no bodily injury coverage if you are injured by an uninsured motorist.

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Uninsured motorist coverage provides coverage for bodily injury, and in some states property damage incurred by an uninsured driver or a driver with insufficient liability limits.


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