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What should you do if an uninsured motorist hits your car and it is their fault?
That's what Uninsured and Underinsured motorist coverage is for. You have that on your insurance policy. I have been in this situation. The first thing you do is talk to your insurance company. Tell them about the accident and how it is their fault. It is better if you provide proof like police report or written statements, but if not, it depends on how your insurance company rules it. From there, your insurance company should tell you what your options are. Most likely, they would go after the uninsured motorist and make them pay. You don't even need to deal with the uninsured motorist.
If you have uninsured motorist insurance and a hit and run driver hits your car will your insurance fix your car?
First, be sure that you have property damage coverage under your uninsured motorist as well as bodily injury. Then, be sure that you have filed a police report. If you have both of these things, there is a good chance you have coverage, but the final determination is up to the company.
At fault party of an accident lied to police about insurance who do you report this to so that they will have to pay fine?
You should call and report this to the police. Also, you should contact your insurance company and advise them about this. If you carry uninsured motorist coverage on your policy, and can prove to your company that the other person is uninsured, your company will pay to have your car repaired and send the bill to the uninsured person.
Is insurance carrier required to report hit and run to police?
The insurance company is not required to report a hit and run to the police but in most all personal auto policies, the insured is required to report a hit and run to the police before the insurance company will treat the claim as an uninsured motorist claim. This is usually a policy requirement.
If you are not at fault and the police report and witnesses prove this do you still pay your deductible?
You do not have to pay the deductible if the other person's insurance is paying the claim. If you put the claim through your insurance, and do not have uninsured, underinsured motorist protection then you will have to pay the deductible regardless of who's at fault.
If in an at fault accident and you have no insurance and there is no injurys to either party and no police come and make a report what should the uninsured driver expect in California or any state?
The uninsured driver, assuming they are at fault, can expect to be pursued civilly by either the other driver's insurance company or the other driver. The uninsured motorist can be sued for damages and any other expenses incurred as a result of the accident, including court costs.
What actions can someone take if an uninsured driver hits them on the road?
If you are hit by an Uninsured Driver you should take the following actions- Contact the police, get information from and on any witnesses that saw the accident and get photographs of the vehicles and the accident scene. Another important step to take beforehand of the accident is to make sure you have Uninsured Motorist Insurance on your Car Policy.
If an insurance code of 989 is shown on a police report car accident who does that person have car insurance with?
The insurance code 989 on a police report typically indicates that the person involved in the car accident does not have insurance or is an uninsured motorist. The specific details might vary depending on the jurisdiction and the police department's reporting system. However, it generally signifies that the driver does not have the required insurance coverage at the time of the accident. It's important to note that the insurance code 989 might not necessarily mean that the person never had insurance or that they are uninsurable. It could simply indicate that they did not have insurance at the time of the accident.
If someone else hit your parked vehicle?
They are responsible if you know who they are,but if not,with State Farm you get a police report within 24 hours you can file it under uninsured motorist.
Is a police report required to pursue legal action against an uninsured motorist?
No, but it will make it much easier. The problem is without a police report it is harder to prove the accident occurred, how it occurred, who was involved, etc.
Could the police tow your car if you are not driving it and dont have insurance?
The police is the government and they can do many things, including towing away your uninsured vehicle. Do you expect a law enforcement officer to break the law and allow uninsured vehicle stay on the road?
What do you do if the person that hit your car will not give his insurance info to your insurance company?
As long as you got the persons Lic Plate # and gave it to your insurance company you should be O.k. This is if your insurance coverage is up to date, otherwise you should have filed a police report. You pay your Ins. Company so they have to and will do all the necessary paperwork and investigations. If this person does not have valid car insurance then hopefully you carry "Uninsured motorist" coverage unfortunately you still have to pay your deductible. http://www.sdphotoforum.com
