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What is an uninsured motorist endorsement?
An uninsured motorist endorsement is an added insurance policy for motorists. It covers injuries that have resulted from a collision by an uninsured driver.
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.
Can you use uninsured car insurance towards your car if you don't carry collision?
An Uninsured car has no insurance. Your liability coverage may follow you to it if it is a replacement vehicle but would not cover damage to the uninsured vehicle.
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.
If you rear-ended someone and you dont have collision will your insurance company still pay for the damage of your car?
No your vehicle is not covered. That is why it is always recommended that you carry comp and collision and uninsured motorist.
In a collision an uninsured motorist was at fault who pays for the damage insurance or uninsured motorist?
The insurance will pay for your damage if you have insurance from underinsured motorists. Otherwise, the motorist will pay for it who doesn't have insurance if they have any money.
What to do when a new leasing car was totaled by a uninsured motorist?
file a collision claim with your insurance company once all is settled they will go after (subrogate) the uninsured (assuming they are at fault) party to recoup theirs and your money.....
Would your car be covered if it is parked in your yard and is hit by an uninsured person under your full coverage?
If your "full" coverage includes Collision coverage then the answer is yes, or if you don't but do have Uninsured Motorist Property Damage coverage then the answer is also yes. I think some states have the UMPD listed seperately on the policy even if you have Collision coverage.
What can you do if you are involved in an accident was not your fault and the other driver has no insurance?
if you have collision coverage file under that then your company will subrogate the uninsured driver...if no collision coverage you can file a state report, and/or small claims action.....
Will your uninsured motorist coverage cover an accident from an at fault unlicensed uninsured driver?
Yes. The initial trigger for entitlement to uninsured motorist benefits is involvement and injury in a motor vehicle collision with an uninsured motorist. According to state law, there may be other requirements as well (such as the existence of a permanent injury or significant scarring), but lack of insurance by the adverse party is the first requirement. Note also that, again depending upon state law, if you as the injured party negligently caused or contributed to the collision, your recovery may be reduced accordingly.
If someone dented your car in a parking lot then left would your uninsured motorist insurance cover the damages?
no, uninsured motorist coverage is for injuries only when an uninsured motorist hurts the occupants of a vehicle......there is a coverage called uninsured motorist property damage, (most people do not have this and are even unaware that it is available, and is not available in all state) if you have that or collision coverage those will cover the damage to your vehicle ........
Is uninsured motorist property damage necessary if I have comprehensive and collision coverage?
Uninsured motorist property damage coverage is usually not required and sometimes is not offered at all in a particular state. If it is offered in your state you should consider purchasing it. One accident with an uninsured driver can leave you with significant bills to cover your property damage.
