Hit and Run Questions. Looking for advice.

PhantaPhanta · 03-07-2015, 07:32 PM

Quote:

Originally Posted by 37zeroZ

In your case, I believe that hit and run accidents are viewed as uninsured motor vehicle and since you have collision insurance coverage, you are covered under that coverage. Plus, since you purchased the collision deductible waiver, you do not need to pay the $500 collision deductible.

I don't get what this means. Does this mean I ring them up and they do everything from a to z and it won't cost me a dime? I was told that I need to pay the $500 bucks then insurance company pays the rest.

37zeroZ · 03-07-2015, 07:59 PM

Quote:

Originally Posted by PhantaPhanta

I don't get what this means. Does this mean I ring them up and they do everything from a to z and it won't cost me a dime? I was told that I need to pay the $500 bucks then insurance company pays the rest.

Usually, in every full coverage policy there is some sort of deductible the insurer pays. The higher the deductible, the lower the insurance premium. Since hit and runs are looked at as UM and you have collision coverage, both come in place in your case. You collision includes a $500 deductible, but since you have the UM collision waiver, you should not be required to pay the first $500 of the repair out of your pocket.

I'm not a California insurance agent, but by looking at your policy, this is my take.

PhantaPhanta · 03-07-2015, 08:02 PM

Quote:

Originally Posted by 37zeroZ

Usually, in every full coverage policy there is some sort of deductible the insurer pays. The higher the deductible, the lower the insurance premium. Since hit and runs are looked at as UM and you have collision coverage, both come in place in your case. You collision includes a $500 deductible, but since you have the UM collision waiver, you should not be required to pay the first $500 of the repair out of your pocket.

I'm not a California insurance company, but by looking at your policy, this is my take.

Much appreciated. Thanks.

Similar Threads
Thread	Thread Starter	Forum	Replies	Last Post
Few Questions regarding the Z	faou4rm	Nissan 370Z General Discussions	24	06-04-2011 03:29 PM
Tsb questions	mrrrkva	Nissan 370Z General Discussions	0	12-24-2010 10:30 AM
Questions, questions and more questions for a potential 370z buyer!	tag824	Nissan 370Z General Discussions	67	09-18-2010 12:07 AM
New Guy Questions ? Advice or Opinions	TACTICLY	Nissan 370Z General Discussions	5	02-04-2010 08:15 PM
Questions	z34deviltuned	Tuning	4	09-21-2009 12:04 PM