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My parked car has full coverage and was hit by an uninsured driver?

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2016-12-12 11:33:36
2016-12-12 11:33:36

tell your insurance company and the police and your insurance company will pay everything except the deductible. If you have full coverage than your insurance is required to make good on the damage. It is up to your insurance company to try and get their money back from the uninsured driver of the other vehicle.

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Related Questions


If a motorist is injured by an uninsured motorist and the driver has uninsured motorist coverage the insurance carrier will provide coverage, if certain information is obtained on the uninsured driver. If a driver has Medical payment coverage or PIP coverage he or she and any passengers will be covered by the drivers auto policy Medical payment coverage.



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.


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



If you have full coverage on your car, then your insurance should pay. But if all you have is liability insurance, then no, it won't pay to fix your car. But there is a chance that your uninsured motorists coverage will pay for the damages, if you have it.


If you are insured for 'full coverage' or possibly 'uninsured motorist', yes. In a standard liability policy you would probably not be covered.


If I am reading your question correctly you have nothing to worry about. I don't understand why you would be worried about someone coming after you. From your statement your car was legally parked and someone hit it and their insurance should pay.


if you have full coverage insurance, yes it will cover you and other driver, depending on the limit of your collison coverage you have. if damage exceeds your coverage, then you have pay out of your own pocket to cover other driver's medical expense and damage. asian623 http://www.myspace.com/scionturboracing


Yes they will, but you may have to pay a deductable if you do not have uninsured motorist coverage, and you you must have comp & coll coverage.


My husband was hit by an uninsured driver and he only got a 500.00 fine. Oh, and by the way, the UNINSURED driver just filed a claim with my insurance company, to try to receover damages to his car,WHAT about my damages? So, he is trying to get money in an accident he caused, and was driving around illeagally! How crazy is that! I suggest everyone keep full coverage insurance at all times to cover these idiots riding around with none.


You do not have to purchase full coverage auto insurance in Illinois if your vehicle is paid for. You do still need Bodily Injury Liability, Property Damage Liability, and Uninsured Motorist coverage.


Full coverage would be Bodily injury/Property damage/ Uninsured motorist/ Comp/and Collison, plus I would add Underinsured motorist. Liabilty is for bodily injury and property damage.


The car that rolled is not responsible, the hit and run driver is responsible. However if the police do not find that person, you are out of luck unless you have comprehensive insurance (full coverage). You can try to talk to/sue the parking lot owner...Talk to stores that may have video coverage of the incident...


If they are added to your policy as a scheduled driver yes they will be considered a covered driver.


If it only has liability, then it can't get full coverage benefits. If the driver has full coverage auto insurance, it may pick it up for the vehicle he's driving, but that tends to be rare.


More than likely, you will begin by using your personal medical insurance. Medical expenses and lost wages can possibly be reimbursed through the uninsured motorists coverage.Uninsured/Underinsured coverage laws vary by state. Contact your insurance agent for a full explanation of how this coverage would work on your policy.



There's a good chance the insurance company will deny the claim of the person with the uninsured vehicle, as that vehicle isn't supposed to be on the roadway to begin with.



The car with coverage appears to be at fault and would therefore be liable to pay for the damage.


Not in Canada. If your license is suspended, then any insurance claim that resulted from you driving while suspended would not be covered. If the car was damaged and it was parked and not being operated, then that is covered. But not if you are driving it.


"It all depends on your driving record and criminal record. It also depends on what type of coverage you want like uninsured motorists, medical insurance or if you want full coverage or just liability."


Yes, you can get a ticket for passing a school bus if a school parked in a shopping mall with flashing red light on but no driver nor students.


This is actually ONE coverage, serving two different purposes. You will often see this expressed on a declarations page as UM/UIM. Uninsured motorist coverage is self explanatory. YOUR uninsured motorist coverage on YOUR policy will pay for damages to your insured automobile when an 'at fault' vehicle does not have any insurance coverage to pay for your damages. UIM is UnderInsured Motorist coverage and would be available when the damages to -your vehicle exceed the amount of coverage in effect on the at fault party's liability coverage. This is an important coverage to have; very few state minimum liability limits are adequate anymore to offer full protection to owners. Rising auto costs and auto parts costs, plus the lower threshold to declare a total loss make higher UIM limits a sound decision.



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