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Do you have to pay your auto deductible if you are hit by an uninsured driver?
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What does waiver of collision deductible coverage in California for uninsured motorists coverage?
The California Collision Deductible Waiver (CDW) is coverage which waives your collision deductible if you are hit by a negligent uninsured motorist. The CDW option with a personal auto insurance policy in California pays your collision deductible when you carry collision coverage on a vehicle that is damaged by an uninsured or hit-and-run motorist who is at fault. Coverage typically applies only when there is actual physical contact and when you can identify the uninsured driver or vehicle. Some insurance companies will not even talk about the coverage even if it is included in your policy until you bring it to their attention.
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.
Does your auto insurance deductible cover your car and the car that you hit in an accident?
You do not pay a deductible for the car that you hit. Your liability coverage does not have a deductible.
Where do you file a claim to sue for deductible from a car accident involving a car with no insurance with no insurance?
If I understand your question you are trying to recover a deductible you incurred due to the fault of the other driver who was uninsured? If this is the case it may depend on the state in which you live and what coverage you may or may not carry. If you are from CA, we have what is called UMCDW or uninsured motorist collision deductible waiver, which if you were carrying this type coverage as part of your auto policy, it would pay your deductible if your vehicle were hit by an at fault, identifiable uninsured driver. If you do not have similar coverage on your policy or in your state, you may simply have to file a claim in small claims court to recover your deductible and good luck. In many cases if you are dealing with an uninsured driver, even if you win judgement you still have to be able to collect it...sometimes the hardest part! In the future you may want to consider a product called CDRP which is a Collision Deductible Reserve Plan to insure your deductible is always available for you when you need to use it. It is a very wise financial move that can not only save you hundreds if not thousands on your car insurance premiums but would give you peace of mind knowing your deductible is always there when you need it! You can learn more about this incredible product at TheFiveMinuteMove.com .
My parked car has full coverage and was hit by an uninsured driver?
tell your insurance company and the police and your insurance company will pay everything except the deductible. If you have full coverage than your insurance is required to make good on the damage. It is up to your insurance company to try and get their money back from the uninsured driver of the other vehicle.
What can you do if uninsured driver hit your car?
File a lawsuit against that person.
Do you always pay deductible if your car got hit in your driveway during the night and you don't know who hit you?
Yes, this would be covered with your uninsured motorists coverage and all uninsured motorists sections have a deductible of at least $250 or higher for the property damage section of the UM coverage. If later on the person admits or some way it is discovered who hit the car, then you would get your deductible back when you company was reimbursed by the person or their insurance company.
Does uninsured motorist insurance pay if you hit a deer?
Uninsured motorist covers you in the case you are in an accident with another driver that does not have insurance. Comprehensive coverage is what will pay when you hit a deer.
What happens if you are hit by an uninsured teen driver and they are found to be at fault?
If you have "Uninsured or Underinsured Motorist" coverage on your policy, then your insurance will cover it at no cost to you.
I was recently hit by an uninsured driver, is there an accident lawyer in Sacramento, CA that can help me?
Hopefully, you have uninsured driver protection. If there was physical injury to you or passengers in your car, a personal injury lawyer may be interested, but only if the uninsured driver has assets that justify the lawsuit. If the driver has nothing, there's no point in suing him.
What happens when an uninsured driver driving an insured car got hit by an insured driver?
P.S. The insured driver is found at-fault with witnesses. The uninsured driver is worried if his license will be suspended or facing any penalty for driving the his parent's INSURED car.
Should an uninsured driver that was hit by an insured driver call a lawyer?
If you incurred losses by injury or your property was damage, I would.
