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 Posted: Tue May 19, 2009 11:35 pm Post subject: |
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| Quote: | | UM/U1 only coveres you in ANY other case EXCEPT a Hit and run.... |
 | Quote: | | Simon....if you are parked over night and someone hits you...sorry buddy I hope they left a note or that you have comp/collision because YOU are paying for it....sorry.... |
NEVER EVER will comp pay unless an animal hit it or a vandal...collision OR UMPD.. | Quote: | | Lori where did you get THAT information from it is 100% WRONG!!!! |
OH, honey, you're killin' me here...i'll be back in the morning, when i'm fresher and give you some DIRECT INFORMATION ... with links and EVERYTHING.... 
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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Joined: 10 Sep 2007
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Location: Missouri
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| Posted: Wed May 20, 2009 10:15 am Post subject: |
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Now I'm more confused 
Agent said:
| Quote: | | Simon....if you are parked over night and someone hits you...sorry buddy I hope they left a note or that you have comp/collision because YOU are paying for it....sorry.... |
When Lori said:
| Quote: | | Certainly you would if you have UMPD-to repair your vehicle or UMBI, to repair your body. |
Now, things do differ with states, right? Is it the same thing here? |
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simon
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Joined: 28 Sep 2005
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| Posted: Wed May 20, 2009 11:14 am Post subject: |
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| Quote: | | Now, things do differ with states, right? |
yes, | Quote: | | Is it the same thing here? |
NO.... not in this case...UMBI, which is what most people carry covers the injuries an insured receives caused by an uninsured driver...(or phantom hit and run driver)...UMPD, covers the damage to your vehicle caused by an uninsured (or hit and run, unknown person/vehicle)..to your vehicle..if you have collision coverage most people don't carry UMPD, some do though in some states it's a set deductible for everyone on UMPD, so some do carry it in addition to collision coverage...
Now, per CA (which 007 is so sure about)...
| Quote: | WHEN DOES AN UNINSURED MOTORIST POLICY APPLY?
Uninsured motorist vehicle coverage comes into play whenever anyone who is insured is injured by a driver who is uninsured or underinsured (does not have enough insurance to pay for the damages caused). An uninsured driver includes a hit-and-run driver, so long as there is some actual contact from the hit-and-run driver's vehicle. |
| Quote: | WHAT LOSSES ARE COVERED?
Uninsured motorist coverage is intended to compensate you for both your financial and your non-financial losses which you sustain, and for which you have a legal claim as a result of the negligence of an uninsured, underinsured, or hit-and-run driver |
(http://www.doniglaw.com/CM/Articles/Articles8.asp)
And directly from the CA Dept of Ins.
| Quote: | UNINSURED MOTORIST BODILY INJURY
Will pay you and your passengers for BODILY INJURY cause by a negligent uninsured motorist, a hit-and-run driver, or by a driver whose insurer is insolvent.
UNINSURED MOTORIST PROPERTY DAMAGE
Will pay for damages to your automobile, set up to a limit, when caused by a negligent unisured motorist. |
Now 007 Hopefully this answers your uninformed, rude rebuttal,
| Quote: | | Lori you are wrong again |
| Quote: | | UM/U1 only coveres you in ANY other case EXCEPT a Hit and run.... |
| Quote: | | Lori where did you get THAT information from it is 100% WRONG!!!! |
along with this little ditty you left in my quick message box,
| Quote: | | Lori you have to realize that your state does not have practices like most states since you do not have as many people in your state as other states. I know that you are speakig with people to help them but remember it is a state by state basis |
I agree all states are different however seriously doubt that it has ANYTHING to do with the sizes of the state...
Look I don't pretend to know everything, in fact I find out I don't multiple times a day...but there are a few things that I know quite a bit about...THIS happens to be one of them...You aren't on the claims side of the biz for over 20years and not pick up ANYTHING at all...this is all policy 101 information...for your sake I hope you are not or have not given your insured's this mis-information, and they find out different that my friend is bad faith, and likely a big fat E and O claim as well..
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
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| Posted: Wed May 20, 2009 6:42 pm Post subject: |
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| as I have said before it is state by state....most states that I HAVE SEEN UM/U1 does NOT cover a hit and run driver.... |
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Agent007
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| Posted: Wed May 20, 2009 9:43 pm Post subject: |
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| Quote: | | as I have said before it is state by state |
I'll agree to that although I don't know any state that does not recognize a hit and run under UM (bi or pd-what states have you 'seen' this in? And what states are you licensed in?)... ...The point is that is not all you said!
... | Quote: | | Lori you are wrong again Lori where did you get THAT information from it is 100% WRONG!!!! |
| Quote: | | most states that I HAVE SEEN UM/U1 does NOT cover a hit and run driver.... |
Yeah, like your home state of CA?
Before you call me out so rudely you might want to check the very state you are doing business in, to make sure of your facts, before you tell me I'm 100% wrong, and wonder where my information comes from  (it comes by the way from over 20 years in the P&C claims biz)...I don't mind at all being called out, if I'm wrong or another has another opinion opposite of mine, not an issue, ..however the arrogant and rude way you went about it ticked me off..... most particularly since you had no clue what you were talking about even in your OWN STATE, (ok i'm being rude now, sorry but think you had some coming  )...I REALLY don't understand, how you could even question it when your 'home' state clearly says otherwise....have you recently moved there?
Ok, this is done, an apology for your arrogancy would be nice, but I won't hold my breath...
by the way what is ''U1"?
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
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