05-13-2015, 07:50 PM
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#11 (permalink)
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A True Z Fanatic
Join Date: Oct 2014
Location: socal
Posts: 1,120
Drives: 370z
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Uninsured coverage is very simple. There MUST be a driver who has no insurance or his/her coverage is less than the liability (primarily for bodily injuries and may also include properties) of the accident. Furthermore, it must be proven that he/she is at fault. There is normally a deductible for UMI, but some insurance companies offer an option to waive the deductible for a few bucks.
As far as filing no-fault claim, the only thing that counts is the result of the investigation. If the driver is proven to be at least 50% at fault, the premium is going up.
Unfortunately for the OP, the other driver is gone and there is no witness or contact from the other car. I am sure that he is at least 50% at fault which translates to higher premium.
Quote:
Originally Posted by JARblue
I understand that because there was no contact with the other vehicle, it was not possible to run it under uninsured motorist. But it was still filed as a no-fault claim with a lower deductible. I'm not sure if the states have specific rules regarding uninsured motorist coverage or whether the insurance companies write whatever different policies they feel like offering. I know to add uninsured motorist coverage to my policy, it costs me an extra $5 per month and there's no deductible associated with it.
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