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file a collision claim with your insurance company once all is settled they will go after (subrogate) the uninsured (assuming they are At Fault) party to recoup theirs and your money.....

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โˆ™ 2007-08-18 12:58:43
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Q: What to do when a new leasing car was totaled by a uninsured motorist?
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If someone hit your car and didnt have insurance is it covered by uninsured motorist?

Yes as long as your policy has uninsured motorist coverage on your policy.


What is uninsured motors insurance?

Uninsured MotoristUninsured motorist is pretty much insurance where if someone hits you and they lack auto insurance, your insurer will still pay damages for your car.


What if a person hit your car and totaled it but they don't have enough insurance covage what should you do?

You uninsured motorist coverage, if you have it should handle the gap. Otherwise, you can sue the driver that hit you for the difference.


Should I put uninsured motorist insurance on my car or truck?

It is a very good idea to have uninsured motorist coverage. You need to always have yourself protected.


If someone dented your car in a parking lot then left would your uninsured motorist insurance cover the damages?

no, uninsured motorist coverage is for injuries only when an uninsured motorist hurts the occupants of a vehicle......there is a coverage called uninsured motorist property damage, (most people do not have this and are even unaware that it is available, and is not available in all state) if you have that or collision coverage those will cover the damage to your vehicle ........


What provides coverage if the other driver does not have car insurance?

Uninsured Motorist coverage


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?

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.


Do I need uninsured motorist insurance in New Jersey?

Yes you do need an uninsured motorist insurance. The state of New Jersey requires everyone to have obtained at least a $15,000 cover for their car(s) before taking them to the road.


Can you get insurance on your license even if you do not own a car?

I believe you can get liability and perhaps uninsured motorist insurance without owning a car.


Would uninsured motorist coverage apply if a deer runs out in front of your car and causes an accident?

yes


What kind of insurance pays for a car accident you are in if the other person involved has no insurance?

Uninsured motorist coverage


What happens when you have a car accident with a driver that has no vehicle insurance?

I hope you had insurance for this. The uninsured motorist will probably be broke


What should you do if an uninsured motorist hits your car and it is their fault?

That's what Uninsured and Underinsured motorist coverage is for. You have that on your insurance policy. I have been in this situation. The first thing you do is talk to your insurance company. Tell them about the accident and how it is their fault. It is better if you provide proof like police report or written statements, but if not, it depends on how your insurance company rules it. From there, your insurance company should tell you what your options are. Most likely, they would go after the uninsured motorist and make them pay. You don't even need to deal with the uninsured motorist.


If a uninsured motorist hits your car will sr22 cover your damages?

If you purchased uninsured motorists coverage with your policy you will be covered. The SR22 is not insurance, it's certificate of proof that you have insurance.


Does progressive insurance cover if an uninsured driver gets in an accident in an insured car?

Yes they should. Did you carry uninsured motorist? The only issue is if your car had a driver that did not have a license or was living in your home and you did not tell them about this person.


How is one protected under car owners insurance when one drives and is in an accident with a party that does not have insurance?

You need to have uninsured motorist insurance as a rider on your insurance. If not you will have to sue the uninsured driver.


What does stacked uninsured motorist coverage mean and will it get your car fixed by insurance?

"Stacked" refers to uninsured motorist coverage, not to liability or physical damage coverage. In essence, if there are two cars in a household, both with insured motorist coverage, the uninsured motorist limits of the cars can be "stacked"--added together. Naturally, this will only make a difference if the severity of the injury and the clarity of the liability is such as to warrant that size of a payment to the insured. Keep in mind that the assessment of damages by an insurer in an uninsured motorist claim is similar to that done by a liability insurer in a third-party claim. Note also that some states have "anti-stacking" statutes which prohibit the stacking of ininsured motorist limits.


If i am a passenger in a car that is not insured and I suffered an accident in that car can i claim uninsured motorist benefits under my parent's policy?

I think. if ur under 18.


If you have uninsured motorist insurance and a hit and run driver hits your car will your insurance fix your car?

First, be sure that you have property damage coverage under your uninsured motorist as well as bodily injury. Then, be sure that you have filed a police report. If you have both of these things, there is a good chance you have coverage, but the final determination is up to the company.


What happens in California when a insured car with full coverage hits an uninsured car and totaled it?

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.


In a three car pile up who's insurance pays when the third car is uninsured?

This depends on the specific state's laws in which you live. Generally in a pile-up the insurance companies duke it out, and often each goes through his/her own company for coverage, which would leave the uninsured motorist with no coverage for their vehicle. For injuries, depending on fault, you may possibly draw from the uninsured motorist coverage.


You own an uninsured vehicle that was borrowed by a driver with out insurance in Florida she got into a no fault accident and the car was totaled. what is your recourse?

Its your fault


What does uninsured motorist coverage mean?

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.


Who is responsible when a driver with a suspended license in a borrowed insured car hits an uninsured motorist?

If the driver with the suspended license caused the accident then he/she is responsible.


What is uninsured insurance?

In auto insurance, 'uninsured insurance' refers to a type of coverage for accidents caused by a motorist without insurance or hit-and-run accidents in which the driver who caused the wreck cannot be identified. In other words, your insurance may cover the cost of damage to your car, medical expenses, and other expenses. http://www.superpages.com/supertips/what-is-uninsured-or-underinsured-motorist-coverage.html