If an uninsured motorist totaled my car what should i do?

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PostPosted: Fri Feb 18, 2011 11:06 pm   Post subject: If an uninsured motorist totaled my car what should i do?  

I was a victim of an accident but the person at fault has no insurance what can i do?


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PostPosted: Sat Feb 19, 2011 12:39 am   Post subject:   

File under your own collision coverage or uninsured motorist property damage coverage. Or seek recovery from the party that cause the damage.

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PostPosted: Mon May 30, 2011 2:57 am   Post subject:   

Since you were struck by an insured driver, you have two options. If you have full coverage and thus has Uinsured/Underinsured Motorist (UM/UIM) coverage, you have to file a claim with your insurance company for your property damages as well as for your injuries. However, if you do not have UM/UIM coverage on your policy, you will have to fix your vehicle out of pocket, then sue the uninsured driver to recover for your losses.



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PostPosted: Mon May 30, 2011 3:20 am   Post subject:   

Many people have UMBI, few people have UMPD.

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PostPosted: Mon May 30, 2011 3:56 am   Post subject: insurance  

I know I've asked this question before..just still a bit confused. If someone has 'Full Coverage', on their vehicle, what exactly does that mean? That the insured has coverage for THEIR car AND the other vehicle,etc.? "BI and PD"..what is this?

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