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If you have full coverage do you need UMPD coverage or will full coverage suffice if you are hit by an uninsured driver?

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2015-07-15 19:51:10
2015-07-15 19:51:10

you dont have to have umpd coverage if you have full coverage but most of the time on full coverage it has umpd and if you dont have umpd your collision will pay for fixing your vehicle but most of the time there is a higher deductible on collision I know this because i am an insurance agent

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Underinsurer or uninsured Property damage coverage pays for damage to your vehicle if another vehicle is at fault for the accident but is uninsured or underinsured.


If your "full" coverage includes Collision coverage then the answer is yes, or if you don't but do have Uninsured Motorist Property Damage coverage then the answer is also yes. I think some states have the UMPD listed seperately on the policy even if you have Collision coverage.


Uninsured motoristUninsured Motorist coverage (which is required coverage in many states) covers injuries that the driver and occupants of a car sustain when the at-fault vehicle was not insured for liability coverage. UM does not cover the physical damage to the vehicle. UMPD (uninsured motorist property damage), where available, covers that physical damage. UMPD is essentially similar to collision coverage, which is first party insurance that pays regardless of fault, subject to a deductible.Uninsured motorist coverage pays essentially the same type of benefits (such as for pain and suffering) as the liability insurance of the other party would pay if the at-fault party had liability insurance. Additionally, the uninsured motorist insurer will generally evaluate a claimant's injuries in much the same way as a liability insurer would, and the claimant is subject to a reduction in damages for contributory or comparative negligence according to the law of the jurisdiction.


Sure. You will ahve to purchase UMBI and UMPD as they only come together but thst shouldn't be an issue. You don't have to have Comprehensive and Collision or any other coverages in order to get Uninsured Motorists coverage. I firmly recommend UM to all my clients whether or not they have any other coverages other than liability. You cannot purchase limits of uninsured motorists coverage that are higher than your liability coverages.


There is not really much you can do if the hit and run driver can not be located. This is the risk we take when we opt for minimum coverage.


In New Jersey it does. Unsure about other states.


This is a strange question. I am not sure why any driver would leave the scene if it was clear that another person was at fault. Your question stated 'if the driver you hit', not the driver who hit you. The only reason I can imagine this would happen is if the other not-at-fault person did not want an encounter with the police department or to have any type of claim activity, even with YOUR carrier. Are you sure you meant if the driver YOU hit left the scene? I believe you probably did mean 'who will pay for the damages to your car if the driver that hit YOU left the scene." Is that what you meant? The other party may well be at fault, but if you do not have his insurance information or were not able to write down year, make, model and license plate number, you cannot find his insurance carrier and file a claim with them. You can, however, invoke your own UM coverage, if you carry it on your policy. UM is Uninsured Motorist coverage and will 'step in' and provide the same coverage the at fault driver's carrier would have provided, if he had an in-force insurance policy. Also, if you have Collision Coverage, you can also use that. You will have to pay your deductible, and your insurance carrier will attempt to recover both their paid costs and your deductible, if the driver becomes known. If you have and use UMPD coverage, you will also have LOU/Loss of Use available to you. This provides for alternate transportation while your vehicle is non driveable. If you do not have UMPD, but do have Rental Reimbursement, it will be available to you, to provide alternate transportation. Should you use RR, you have a limited number of days available to you and a limited dollar amout; however, if circumstances allow LOU under UMPD coverage, you will be able to have the rental or other alternate transportation until your vehicle is repaired and fully functional.


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.


Absolutely. If someone hits you without insurance this coverage will pay to fix your vehicle with a small deductible. The company will then pursue the at fault party until all the losses are recovered and then send you back your deductible. Usually they have to collect payments for years to collect all the damages. If you don't have UMPD coverage you will have to do that yourself. UM is well worth the premium. As a matter of full disclosure, I own and operate a small Independent Insurance Agency and have for the part 22 years. Before that I worked as an agent for a direct writer insurance company.


from a General AgentThere are no ifs ands or buts,, You should always make a police report after a Hit and Run incident. a Hit and Run is a crminal act. Then you call your Insurance carrier and report the incident. If you have collision coverage on your own policy then you have coverage. If not, then you will need to try to obtain the insurance information of the hit and run driver if any exists. The police department will assist you and provide you with any insurance information of the other driver if and when they are caught. The question here is probably more along the lines of: "Do you have the applicable coverage for your vehicle?"For instance, if you have collision coverage on your vehicle, you can make a claim with your carrier. If you have UMPD (or uninsured motorist's property damage) coverage, you should also be able to make a claim, though it's possible the UMPD won't be triggered by a hit-and-run.If you don't carry full coverage on your vehicle, your carrier won't be able to help you. Instead, you'll need to make a police report, giving the officer the license plate number of the other vehicle as well as your friends' names (since they witnessed the accident). The police should be able to track down the other vehicle and, hopefully, include the insurance carrier for that vehicle on their report so you can make a claim with them. Of course, it's always possible that the other driver doesn't have insurance, at which point you can: 1. Advise the district attorney that you have damages, thus initiating a restitution order against the other driver when he/she appears in court (you'll need to provide the DA with a repair estimate); or, 2. Take the other driver to small claims court.Again, if you have full coverage on your car, or the UMPD coverage, start with your own carrier. They will then do all the investigating for you, and most likely go after the other driver to get their money and your deductible back. Keep in mind that if you go through your own carrier, you will still be responsible for your deductible, since deductibles have nothing to do with liability. It's just the amount you agreed to pay whenever you suffer a loss.Note: If you look at your insurance card, you might notice a coverage called "UMBI," which stands for uninsured- or underinsured-motorist bodily injury. This is not the same as UMPD, and will not pay for the damages to your car.Hope that helps. Good luck!You have to look at your policy to figure out if your company will process your claim through your collision coverage FIRST, or if they'll use the uninsured motorist property damage claim first....the reason this is important is because in the future, your rates might STILL go up if there is a large collision claim on your record.. REGARDLESS of who was at fault... it's a crappy situation that I'm in myself. Other insurance companies see my claims history and assume the collision claim (which was over $5,000) for my hit and run (not at fault as determined by my carrier)... is still an excused to give you a high rate.Keep in mind though, that in many States, uninsured motorist coverage applies only to bodily injuries and not to property damage. That is, it applies only to injuries that you (the insured) have sustained as a result of a collision with someone who did not have bodily injury liability coverage. In that case, you are, in a sense, an adversary to your own insurer. The insurer will handle the claim in essentially the same way as a third-party injury claim. That is, the insurer will look to the severity of the injuury (for example, whether, and to what extent there is a permanent injury).


most people refer to ''full coverage'' as having the state required liability coverages as well as coverage on your vehicle, ''collision' and ''comprehensive coverages''.......there are many many coverages that you can elect to purchase, (ie accidental death, umpd,medpay, rental, tow, and etc)


all states require financial responsibility. usually what happens if you have collision coverage or umpd (uninsured motorist property damage), your policy will fix your car less the applicable deductible. if you or your passengers are injured then the um (uninsured motorist) coverage will take care of the injuries...your company will then subrogate the uninured motorist for all monies including your deductibles...of course most people without insurance don't have insurance because they don't have any/much money to pay for the coverage, so this can take years and years. they will also (generally) file a state report which can ulitmately take the drivers license of the person and fine them (if owner and driver are different both parties are at fault, if permission to drive was granted by the owner), and pick up all plates registered to that owner. some times this takes years and years and years, I've seen even small claims where the uninsured person paid 50 bucks a month for ten years or better...most larger insurers have a subrogation department that are very good at recouping this money...there are many ways to do so...most will get a judgment against the party and garnish their pay checks, if they do not willingly repay the monies..let me know if you do not have collision or umpd and the state this accident occured and i can give you some other ideas about what you can do if you do not have the coverages therefore no representation of an insurance company in this accident (if the insurance company doesn't make payment they usually cannot represent you in these matters, ie if you have liablity only)


Uninsured motorist property damage, or "UMPD", is basically a form of auto insurance that's one step above liability. Basically when you drive a car and only have liability, your insurance will only cover other vehicles in case of accident, as someone's else's liability or other insurance would cover you if you happen to have gotten hit. Now, if you were to get hit but that person lacked insurance and you only had liability, your only other option to recover any money would be to file a lawsuit. However, lawsuits are simply court orders to pay money and aren't necessarily guaranteed. UMPD would cover your car in case someone happened to hit you and they happened to lack insurance.


Responsibility for Hit and Run DamageThe driver and the owner of the vehicle being driven are both jointly and separately responsible (liable) for the damage caused. Since it was a hit and run, I assume no coverage on their part. If you have Full coverage Insurance or at least uninsured motorists, then your policy will cover the loss. A police report is recommended.If you have uninsured motorist coverage included on your policy, it should cover this damage. It could depend upon on policy language and state law, your collision coverage will also cover your damages minus any applicable deductible. If covered through the uninsured motorists portion of your policy, in most U.S. states there is no deductible on uninsured motorists claims but this may vary depending on your local regulations and the policy options you chose when you purchased your Automobile Insurance.Deductibleswhile you can choose varying amounts for your deductible, which will influence your premium amount, the amount you pay toward your damages due to an uninsured motorist does NOT change, allowing you to influence your premium amount. Additionally, because it was paid under Uninsured Motorist coverage, it will be clear to any potential NEW carrier, that this was NOT an at fault accident. And to further complicate matters, with some insurance carriers, you could possibly be required to identify the hit-run driver in order to trigger the UM coverage. (license plate, year/make/model/color, etc. You may not have to have name, rank, & serial number.).More Information:This is a good question, particularly since it's such a frustrating thing. The best way to look at it is this: Your deductible has nothing to do with liability. Rather, your deductible relates to the rates you pay for insurance, and how much of the damages you are willing to absorb out-of-pocket. Your insurance carrier considers your deductible the amount you agreed to pay in any accident, regardless of fault and assuming your carrier is paying for damages to your vehicle. For instance, say you're sitting at a red light, and a drunk driver comes up behind you and rear ends your vehicle. Obviously, you're not at-fault for that; however, if you choose to go through your own insurance, you'll still be required to pay your deductible when you have your vehicle repaired. Unfortunately, unlike an accident in which the other driver is known, your insurance company can't go after a hit-and-run driver (this is called "subrogation," which most insurance companies are happy to pursue when they can because they want their money back, too). So, unless your insurance policy waives deductibles for hit-and-run accidents (which is rare), you'll be paying.Be careful about reporting this if the damage is minimal. Someone dented my truck overnight in a parking lot. I reported it to my insurance company, the repair was $526. I paid the $500 deductible, and they paid the $26. About 4.5 years later, I'm shopping for new insurance, and the insurance companies are adding about $130/6-months because of that 'accident'.EXACTLY.. (referring to the last post).. I was in a hit and run, my car was totaled. My own insurance company paid me $5,196 for my dead Honda Civic (RIP). But the pay out was from my collision insurance. SO... that claims record shows up when I try to shop around to other insurance companies... even though my carrier (GEICO) coded the accident as me being NOT at fault... the other companies don't care! They see your claims history, and their risk algorithms return higher rates! It's crap!Again, this is inevitably an insurance adjuster ploy. The only legitimate reason for which an adjuster may ask for such information is when an insured damages their own car and claims that the cause was another car which forced them off the road but did not actually strike their vehicle. (known in the trade as a "phantom" driver claim).In the UK - the driver of the vehicle which causes the hit and run and in turn his motor insurance. If however the driver cannot be found or is uninsured when found the Motor Insurer Bureau will meet your claims for vehicle damage and injury compensation. see the related link entitled "hit and run accident" for more details on how to recover compensation in the UK.The question is, 'who's responsible for hit and run damage?', The 'runner' would be responsible of course, but if they 'ran' chances are they may not be caught and thus made responsible for their actions. Hopefully the victim got a license plate (if that were possible and not just hit while parked and no one around to witness this accident) and this can be traced either thru their local law enforcement agency or their states DMV.If you have collision coverage you can file the claim, and have your vehicle repaired (subject to your deductible) your company will attempt to subrogate the guilty party, recouping your deductible and their payout (if information on fleeing vehicle is available).You do not say which state you are in, so I couldn't check that states requirements or coverage definitions directly, however I think it needs to be clarified that uninsured motorist coverage (in all but very few states that mandate UM also includes UMPD), will ONLY cover injuries and costs associated with the injury caused by a negligent uninsured driver. Uninsured motorist property damage coverage, is NOT a required, but rather optional coverage that (unfortunately), most people neither know about or have. Will cover the physcial damage to your vehicle caused by a negligent uninsured driver subject to the deductible. Most people however would not see the necessity of carrying UMPD if they have collision coverage. There is no deductible for uninsured motorist coverage.I have been in the insurance industry for 11 years now in the state of VA. I am aware that coverages in each state are different but uninsured and under-insured motorist typically doe includes BI and PD. On an insurance policy the uninsured motorist bodily injury and property damage is written at the same limits as the liability coverage on the policy. Lower uninsured/under-insured coverages can be requested if a form is signed stating that the insured does not want the limits to match. Also, uninsured motorist does come with a deductible depending on your state so the above statement that uninsured motorist coverage does not have a deductible is false. Most uninsured motorist claims are subject to a $200 deductible. Be cautioned when filing a uninsured/under-insured motorist claim as you may see the insurance company pay out a small amount under this coverage and then pin the rest under collision. This is when it becomes a problem of proving fault. Whenever a claim is paid out under collision it is considered at fault and it is like pulling teeth to prove otherwise to an insurance company. Take it from me, I have a hit while parked and $300 was paid under uninsured/under-insured motorist and $1400 was paid under collision and every insurance company is listing this as a chargeable at fault claim which holds a surcharge for 3 years on an insurance policy.Another view: At least in the US, "hit and run" is a term typically used in property damage claims. Further, it is use in the context of an individuals car being hit by an unknown person and the latter leaving the scene after causing the damage. The victim's car may have been occupied or not.If the victim is insured, he/she should be sure to get a police report to document the occurrence. Since such reports are made after the (the officer did not see the occurrence), the report serves the purpose of documenting the occurrence for later action. If the victim had physical damage coverage on the vehicle, this will be just about the only was to give any credence to the claim. All other things being equal, the insurer should pay for the reasonable cost of repair subject to the terms of the policy.If the vehicle that was hit was occupied and the occupant(s) sustained compensable injuries under the law of the jurisdiction, they may be entitled to recover under the uninsured motorist coverage of the policy. In such a case, they would have to prove the "value" of their injury in much the same way that they would in a third-party claim. Again, it is important that the occurrence be documented, including by a timely police report.


assuming that the vehicle that ran you off the road is no where to be found , then yes, you are repsonsible for the mail box, and your collision coverage or umpd will cover your vehicle damage less your deductible......the property damage coverage under the liablilty heading of the policy will pay for the mail box and any other property not belonging to you, that was damaged in this accident...''at fault'' and "responsible" or ''liable''are really two different things, while you are not necessarily at fault (if the other driver is unknown) you are responsible/liable for the mail box......


http://secdr-images.s3.amazonaws.com/EArticle/Questions_you_Need_to_Ask_your_Insurance_Agent.jpgNever buy an auto insurance company without asking your insurance agent some vital questions. Here are some of the most basic questions you should ask.What Discounts am I Entitled to?Some companies will offer you discounts if you bundle all your insurance policies together. You can also get discounts if you drive a hybrid car. Other will give discounts for younger drivers if they've taken a safe driving course or even for a good student discount' if your child has certain grade point average.You can also get discounts if you belong to certain professional organizations such as a medical board. There are discounts for safety and security features installed in your vehicle, age discounts, and discounts for low mileage use, just to name a few.Who is covered by My Policy?Find how and to what extent that all members of your family and even other users are covered under your policy. You will want to know to what extent you are covered if you have to rent another vehicle if your vehicle is being repaired.How Much Will be Paid if the Vehicle is Totaled?You could end up losing a lot of money if you don't ask. Most insurers will only pay the ACV (actual cash value) for your vehicle. ACV is the amount your vehicle is worth after depreciation is taken into account. Some insurers may offer an agreed upon value with an increase in the premium.Will I be covered if I buy a new car?Some people replace their vehicle quite regularly. If you plan to do so, you need to know the time limit where the company will extend their coverage as this is a usually limited period.What about Uninsured (UM) or Underinsured Vehicle Coverage (UIM)?Make sure you understand the minimum levels of auto insurance in the state you reside as some states do not specifically require that you have this coverage. If the other vehicle is uninsured when an accident occurs, you could be left holding the stick. You may also consider whether to get underinsured motorist property-damage or UMPD. UMPD is cheaper than collision insurance but it has a fixed limit that it will pay out for repairs.Do I have Both Collision and Comprehensive Coverage?Collision coverage obviously covers the repair costs of your vehicle regardless of who was responsible for the accident. Comprehensive coverage will cover expenses from events such as the theft of your vehicle, fire or wanton vandalism.


The person who is at fault in the accident is liable for the damages. If they have an insurance policy to pay on their behalf then the at fault person may not have to pay out of their own pocket for the damages. However if the at fault person has no insurance then they are personally responsible for the damage caused. In the case where the at fault person has no coverage and the not-at-fault party did not carry Collision or UMPD coverage then the only option may be to take the at fault party to court and attempt to get them to pay. Good luck.



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