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.

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Coverage & Claims

Which portion of insurance policy pays for hit and run?

Your uninsured motorist physical damage coverage would pay for the damages. The insurance company typically will require a police report for the uninsured motorist coverage to pay.

Coverage & Claims

If I'm the victim of a hit and run will my rate increase?

The accident will show up on your record. How it appears on your record depends on what coverage paid for your repairs.

Coverage & Claims

Who pays for hit and run damage if there's no UMPD coverage in NY?

Uninsured Motorist Property damage is not a coverage that is offered. If the policy has collision coverage you can use that coverage to have the damages repaired.

Coverage & Claims

Why won't my insurance cover a hit and skip to my car?

I think I am missing some information. I don't know what you mean by they will not cover the damages because you live in Ohio.

Coverage & Claims

Will a hit and run impact my car insurance premium in CA?

Yes, when your company has to pay out on a claim, it will impact your rates. If you filed a police report and have uninsured motorist property damage coverage, this coverage will pay for the damages and will be considered a not-at-fault accident.

General Insurance

Is it necessary to get uninsured motorist coverage?

I typically recommend it for a couple of reasons. Uninsured motorist coverage will cover you if someone hits you and they do not have insurance or if you are in a hit and run with a police report. The benefit of having this coverage is having your injuries covered if you are hurt in this type of accident.

General Insurance

Keep coverage on truck worth 4500?

Typically when the car is eight to ten years old (and paid off) we typically do not recommend comprehensive and collision coverage. The reason is that the value of the car is less than what the insurance and deductible can be. Since the car is paid off, the decision is really up to you.

Coverage & Claims

Will I lose my accident free discount if I file a hit and run claim?

You will lose this discount and most likely your rates will be impacted if you file a claim. How much your rates will be impacted depends on the types of coverage you have and what coverage pays out to fix your car.

Coverage & Claims

Who is at fault if someone rear ended me and pushed me into another car

I'm not an adjuster so I'm not able to tell you who is at fault. With that being said, most of the time, the person who initially caused the accident would be responsible for the damage to both vehicles.

General Insurance

My car was stolen - what insurance do I need?

There seems to be some confusion on what coverage would be used to reimburse you for your stolen car! Yes, you're right: Uninsured motorist coverage would cover your car, if someone hits you that does not have insurance or in the event of a hit and run. This does not apply to a stolen car.
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