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This varies depending on your specific insurance company.. I am a claims adjuster for a California Insurance company. Our policy reads that as long as you have some sort of id for other party ie lic plate, we will waive or reimburse your ded. Without id you are on the hook.

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Q: Do you have to pay the deductible when your car is damaged by a hit-and-run driver if you have uninsured motorist coverage?
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