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Do you have to pay the deductible when your car is damaged by a hit and run driver if you don't have uninsured motorist coverage?
Wiki User
∙ 13y ago
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.
Wiki User
∙ 13y ago
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What does waiver of collision deductible coverage in California for uninsured motorists coverage?
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.
Does uninsured motorist coverage cover an uninsured driver of the car in a single car accident?
No. Uninsured motorist coverage protects the owner of the vehicle which is damaged due to the actions of an uninsured driver of another vehicle (or damage caused by a hit-and-run driver). I think what you are asking is known as a 'permissive' driver - someone who was driving another person's vehicle with the owner's permission, but who is not actually named on the policy. The answer to this is 'probably' depending on the insurance company and the provisions of the policy itself, but if provided for would cover them like they were a named insured on the policy.
Do you have to pay the deductible when your car is damaged by a hit-and-run driver if you have uninsured motorist coverage?
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.
What happens if your car was involved in a hit and run while parked and unoccupied?
This would be paid from the comprehensive coverage on your policy. If you do not have this coverage, you will not get paid. Additionally, you should have called the local police and gotten a copy of the report. Comprehensive coverage has nothing to do with this type of dammage. If you had collision coverage at the time of the damage then call your claims department and file a claim. Your collision deductible would apply. If you didn't have collision coverage but did have uninsured motorist property damage then that may apply. if you didn't have either then you have a damaged car.
Will your insurance pay if the accident is your fault and you only have uninsured motorist insurance?
If all you have is uninsured motorists then no it will not pay. you need liability insurance to pay for damaged caused to another. Liability is what your supposed to have.
What is the typical auto insurance?
"Typical auto insurance" is probably a misnomer. Most states require that certain levels and types of auto insurance maintained, but this is a matter of state law. There are also optional coverages that an auto owner may purchase. The primary types of auto insurance include the following: 1. Collision coverage: this pays for the physical repair to your own vehicle as a result of a collision either with another car or some other object. 2. Liability coverage: this pays for the damages for which you may be legally liable if the person or property of another is damaged by your negligence in operating a vehicle. If you or your insurer contest your liability, this coverage provides an attorney to defend you at its own cost. 3. Personal Injury Protection: this pays a portion of your own medical bills and lost wages if you are injured in a collision, even if it was your fault. In some states, it is known as "no-fault coverage". 4. Uninsured/underinsured motorist coverage: uninsured motorist coverage pays compensation to you if you are injured by the negligent operation of a vehicle by another and that person has no liability coverage (which would otherwise compensate you). Underinsured motorist coverage is triggered if their liability coverage is in an amount less than the "value" of your injury. Under certain circumstances (mainly, if you get your insurer's consent), you can accept the full liability limits of the at-fault driver, and collect the balance of the "value" of your injury from your own underinsured motorist coverage. The maximum amount that you can collect in uninsured/underinsured motorist benefits is the amount of coverage that you have purchased and for which you have paid a premium.
Can your insurance go after someone that damaged your car and get your deductible back?
Yes. If someone hits your vehicle and the insurance company pays for the damages, they will go after the person who was at fault for the damages paid and after they collect all the money paid out they will reimburse you for the deductible that you paid when the vehicle was repaired. The damages were paid under your uninsured motorists coverage which has at least a $250 deductible for property damage so when all the damages are recovered from the person, that will include the deductible and you will get a check back for that amount.
Who covers the costs for medical and car repairs if the other person who is at fault doesnt hcarry their own insurance?
If the other party does not have auto insurance and you do not have uninsured motorist coverage on your policy then your only recourse would be to file suit against the party who is at fault and hope to be able to recover damaged. This is the reason for having uninsured motorists insurance on your policy is because sometimes people don't have insurance as they should.
If the person at fault does not have insurance at the time of the accident what are the steps that are taken in regard to fixing the damaged vehicle?
First of all, it is important to know what state you are in, because some states will offer BOTH Collision coverage AND Uninsured Motorist coverages, but in some states, you are not able to carry BOTH. For instance, in Texas, you can carry both, in Ohio and many other states, you must carry one or the other. If it is a certainty that the at fault driver does not have ANY insurance available to them, you will need to turn to your own coverage. If you carry UM coverages (uninsured motorist property damage/UMPD), and your carrier confirms there is no coverage on the at fault vehicle OR driver, the UMPD coverage steps in and 'acts as' the other party's Property Damage coverage. You will pay the first $200-300 of the claim (typically, $250, but varies by state. THIS IS NOT A DEDUCTIBLE. The reason it is important to note that is, a deductible (used in collision coverage) allows you to choose the AMOUNT; your premiums will be affected by the amount of your deductible. That option is NOT available under UM coverages. If you or any passengers are injured, you can also avail yourself of any UMBI coverages. Again, this steps in and handles all injury claims that may arise in YOUR vehicle, resulting from this accident. If you do NOT have UM coverages, but have collision coverage, you can use that coverage. YOUR insurance carrier will attempt to recover any monies paid out and will reimburse you any deductibles that you incurred. If you do not have EITHER of these coverages (and you SHOULD always carry one or the other or both), you can try to recover any monies YOU personally pay out in direct relation to this accident in small claims court.
Will homeowners insurance cover a damaged car by the garage door?
No, You'll have to seek coverage for the Car under you Auto Insurance Policy. Now if the garage door was damaged then your Homeowners policy may fix it if it is below your deductible.
Do you have to pay your auto deductible if your vehicle is not damaged?
No. You only pay your deductible if you are setting up repairs.
In an accident if there is no damage to your vehicle but theirs is damaged do you pay a deductible?
No. The deductible only applies to your vehicle.
