Coverage & Claims

Will filing a claim for uninsured driver property damages with my insurance company raise my premiums?

Sorry to hear about the hit and run. Filing an uninsured motorist claim should not affect your rates.

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Coverage & Claims

Do I still need uninsured motorist coverage if I have Medicare coverage?

You may still want to carry uninsured motorist coverage to avoid complications with medical bills if you are hit by an uninsured driver. It's good protection to have in place if your bills are high.

Coverage & Claims

I have liability and uninsured motorist coverage. Can I file a claim on a hit and run accident?

Yes, your uninsured motorist coverage would include coverage for UMPD (uninsured motorist property damage). Your deductible typically applies.

Coverage & Claims

If I borrowed my mom's car and was hit by an uninsured driver does she pay a deductible?

If your uninsured motorist coverage pays for the damage, you may have a deductible. Every policy is different so you will have to look at the specifics of your coverage.

Coverage & Claims

Should I have uninsured motorist coverage for all of my vehicles?

Uninsured motorist bodily injury coverage will follow you for injuries you sustain from an uninsured driver. However, uninsured motorist property damage will not cover vehicles that are not on your policy.

Coverage & Claims

Why was a hit and run listed as an at-fault accident on my insurance?

A hit and run can be considered at-fault for a few different reasons. First, you must have uninsured motorist property damage coverage for the accident to be listed as not-at-fault.
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