by huh » Wed Jan 16, 2008 07:49 am
A woman hit my car in a parkng lot. Their was a police report saying she backed into me. Her insurance said the police report only says my side of the story and they dont go by the police statement. Her insurance told me their not paying me to get my car fixed. I have been trying to get the video from the store to show she hit me but the store wont give me the video to send to her insurance. I dont have the money to fix my car. Can anyone help me on what I should do?
Posted: Sun Jan 27, 2008 10:38 am Post Subject:
Especially if you have under insured or uninsured motorist coverage. They will fix your car but they will also go after her insurance to recover.
Sorry Mega got to correct you here....UIM (under insured motorist) and UM (uninsured motorist-BI which is commonly referred to as simply UM) cover injuries only...With the only exception being that you have purchased UMPD (uninsured motorist property damage) which isn't available in all states and most people don't carry it anyway...(that is NOT the required UM)...anyway UM and UIM cover only injuries no vehicle damage...What I think you meant to say was collision or comprehensive, (mainly collision).... :wink:Posted: Sun Jan 27, 2008 01:18 pm Post Subject: But was the other part correct?
HA HA...I had two parts to that. That his vehicle insurance company would most likely be able to do more than an individual effort towards getting reimbursed?
That's like 50% right. HA HA
Like I had posted in another topic I have never had to file a claim but I really did think uninsured coverage was for auto also. So I have learned something. I have it on my policy (always did since the premium was not much extra) but just assumed that never really did read that. Guess I best start paying attention to what I am getting.
Thanks for the correction.
:lol:
Posted: Sun Jan 27, 2008 01:24 pm Post Subject: Lori
Once I made that post I got to thinking and was sure I was right. LOL.. So I googled it and this was the first one I found:
Excerpt:
Think of uninsured/underinsured motorist coverage as an important self-help tool that generally is pretty affordable. It`s important for people to protect themselves in case they get into an accident with someone who either has no auto insurance or doesn`t have enough coverage, says Mahrt, western regional public affairs director for the American Insurance Association. "You probably can`t afford to drive without it."
"Everyone does need it if you live in a state that mandates that coverage, and about a dozen states do," says Mahrt`s colleague, Dave Snyder, vice president and assistant general counsel for the American Insurance Association in Washington, D.C. "Your auto insurance provider should be able to tell you whether that coverage is mandated or is optional. Beyond that, if you buy it, you need to determine how much coverage you need. How much you need depends on whether you have health insurance and whether you want to be compensated for ‘pain and suffering,` which you get with UM/UIM."
"You can protect yourself from being hurt financially by buying uninsured/underinsured motorist protection," points out Kummer, director of auto insurance for the Property Casualty Insurers Association of America in Des Plaines, Ill. "Without uninsured/underinsured motorist coverage, you have little likelihood of gaining payment for damages you or your vehicle sustain if you`re involved in an accident with a driver who is either underinsured or driving without any coverage," says Kummer.
Selective Insurance Senior Vice President Sharon Cooper characterizes uninsured/underinsured motorist protection as "an important coverage for consumers because it protects them in situations they can`t plan for. Without the coverage, their only recourse may be to sue an individual to cover their losses if (that other driver) doesn`t have insurance or enough insurance."
Uninsured coverage also covers you if a hit-and-run motorist hits your vehicle. "With this coverage," Kummer continues, "you and your passengers receive compensation for medical expenses, lost wages and other injury-related losses. You can sue that person, but if that driver has nothing, you`ll get nothing even with a favorable judgment."
Underinsured motorist protection pays you for damages that surpass the amount of coverage carried by a driver who is underinsured. "That's valuable, because many drivers carry minimum limits, and that may be insufficient to cover your injuries and lost wages," notes Kummer.
The Insurance Information Institute's Carolyn Gorman extolled the virtues of such catastrophic coverage. "You absolutely need this coverage, because, if you get into an accident with someone who is driving without insurance or doesn`t have enough of it, you want to be made financially whole again. You have to protect yourself fiscally and physically, and uninsured/underinsured motorist protection can help you in that regard."
Uninsured motorist protection can help you in another way. "Let`s say you`re a pedestrian. If you carry this coverage and you get hit by a car while you`re trying to cross the street, the coverage could pay your medical expenses and lost wages," says Gorman, vice president for III, based in New York.
Now that was what I said wasn't it? I'm sure I'm missing something here but this is what I always thought too? What am I missing?
Posted: Sun Jan 27, 2008 02:51 pm Post Subject:
That his insurance company would most likely be able to do more than an individual effort towards getting reimbursed?
Some times, the most important part is regardless of fault your own company (using your collision coverage) can get right to work on your vehicle, no investigation other than assuring coverage is in order has to be completed...so they can go right to work getting your vehicle under repair, (no liability decision has to be made prior to repairs beginning).but I really did think uninsured coverage was for auto also
Auto policy yes, auto damage no, unless you have UMPD....which is uninsured motorist property damage...as I said, UMPD is not even available in all states, and rarely carried if it is unless a person doesn't have collision coverage, carrying both UMPD and collision would be carrying redundant coverages. Although some times the UMPD deductible could be less....
I have it on my policy
I can't remember which state you're in for sure if SC, UM is a required coverage in SC, it appears it is not in Arkansas...(however Arkansas is a PIP state just an fyi).In most states UMBI is mandatory while UMPD (if available) is normally optional.Now that was what I said wasn't it? I'm sure I'm missing something here but this is what I always thought too? What am I missing?
Well first of all if a person did have UMPD and used it, there would be no other insurance company involved see? :wink:Not sure where you got this info (source) but it correct for the most part:
How much you need depends on whether you have health insurance and whether you want to be compensated for ‘pain and suffering,` which you get with UM/UIM."
"Without uninsured/underinsured motorist coverage, you have little likelihood of gaining payment for damages you or your vehicle sustain if you`re involved in an accident with a driver who is either underinsured or driving without any coverage," says Kummer.
Mr. Kummer is correct in in that UM is a blanket term, under that term are two totally different available coverages UMPD and UMBI.....most people even insurance companies (and me) and DOI sites refer to UM as the UMBI version, although this is technically incorrect...and should use the term UMBI, or UMPD....."you and your passengers receive compensation for medical expenses, lost wages and other injury-related losses
Only injuries caused by an uninsured person are covered...under what most of the time is termed UM.UIM is very state dependent in what coverages the 'u' covers...some states allow it only for the BI or UM, others will allow it under the PD coverage...
Here's alittle FYI I found interesting regarding UMPD:
Ten states require insurers to offer UMPD coverage and give policyholders the option to reject it. They are: Arkansas, Colorado, Illinois, Indiana, Iowa, Louisiana, Maryland, Ohio, Oregon, and Utah.
The District of Columbia and five states, New Hampshire, New Jersey, South Carolina, Vermont, and Virginia, require the purchase of UMPD coverage
.Alaska, Delaware, Georgia, Mississippi, New Mexico, North Carolina, Rhode Island, Tennessee, Texas, Washington, and West Virginia require UMPD coverage but allow policyholders to reject it.
There are also some wacky limits etc in some states re UMPD:Alaska: $250 deductible
Arkansas: $200 deductible
California: UMPD can pay for the collision deductible, not to exceed $3,500
Delaware: UM coverage includes UMPD; $250 deductible
District of Columbia: UMPD required; $200 deductible or higher
Georgia: UMPD required; $250 deductible or higher
Hawaii: UMPD required; $50 deductible or higher
Illinois: $250 deductible
Indiana: No deductible or $300 maximum, waived if car was legally parked; must have UM Bodily Injury to get UMPD
Louisiana: UMPD required; $250 deductible
Maryland: UMPD required; $50-$250 deductible
Mississippi: $200 deductible
New Jersey: UMPD required; $500 deductible
New Mexico: UMPD required; $250 deductible
North Carolina: UMPD required; $100 deductible
Ohio: $250 deductible
Oregon: UMPD required; $200 deductible
Rhode Island: $200 deductible, waived under certain circumstances
South Carolina: UMPD required; $200 deductible
Tennessee: $200 deductible, waived under certain circumstances
Texas: UMPD required; $250 deductible
Utah: UMPD required if no collision coverage; $250 deductible
Vermont: UMPD required; $150 deductible
Virginia: UMPD required; $200 deductible
Washington: UMPD required if no collision; $100 deductible, $300 for a hit-and-run
West Virginia: UMPD required; $300 deductible
So in summing up (i know finally! :roll: ) ''most'' of the time when people refer to UM they are speaking of UMBI, (which is required in the majority of states)....and WILL NOT COVER ONE SCRATCH ON YOUR VEHICLE. The only UM coverage that would is if you have purchased UMPD... :wink:
Posted: Sun Jan 27, 2008 03:12 pm Post Subject: Thanks for that
I also posted a link in the "new and info" section about this.
:lol:
Posted: Sun Dec 28, 2008 05:33 am Post Subject:
Posted: Sun Dec 28, 2008 05:33 am Post Subject:
Posted: Sun Dec 28, 2008 03:17 pm Post Subject: insurance
A link to...what?? there's nothing on your post.
Posted: Fri Jun 12, 2009 08:19 pm Post Subject: police reports
working as an auto claims adjuster, I can say that police reports are not evidence unless the police officer witnesses the loss. Police reports are good for verifying car information, and for getting an idea of what people were saying at the scene, but a police report with no investigation at all other than a summary of one person's allegation is not evidence, so no insurance company would pay a claim based on such a police report. Also, insurance companies are paid to defend the policy holder against people making claims against them, NOT to automatically pay whoever decides to accuse their insured of negligence without any evidence. Also, commercial establishments are very unlikely to hand out copies of surveillance videos without a police or court order. Finally, most states do NOT consider a hit and run driver to be an uninsured motorist, because you cannot prove the person that hit your vehicle is uninsured. In fact, the person you are accusing is insured, so you wouldn't be able to file an uninsured motorist claim on your own policy, because the person you think hit your car does have insurance.
Posted: Sun Nov 15, 2009 06:06 pm Post Subject: unisured motorist
A friend was involved in car accident with a motorist without insurance or a driver license. That person was arrested. My friend only carried liability insurece which is the requirement. Is there a agency he can go to to help him recover any of the damages, medical and loss of vechile?
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