Help with Insurance. Hit and run

[focussvtracer]

I was rear ended last week in my Svtfocus and the guy took off. I have uninsured motorist and it says under my plan " uninsured motorist property damage $3500" can someone explain to me why the insurance company says they wont cover anything but my medical?

mercury insurance FTL

 

[Eds01Lightning]

Your collision coverage would be primary not UM.

 

[Jefe]

Depends on your states rules but UMPD should cover that. How much damage do you have? Did they say why that coverage wont pick it up? Whats your collision deductible?

 

[ChiSVT]

Tell your insurance company you will have your lawyer contact them. Then go find a lawyer.

 

[lokslikasolstic]

A hit and run collision would be covered under your collision deductible. Not your UM coverage. That coverage comes into play when you are in an accident, it is not your fault and the other person doesn't have any insurance. Your policy would cover you without raising your rates. In this situation you will pay your collision deductible, and anything over would be covered by your insurance.

Just for the record, I'm an insurance agent w/ American Family and I have also had to file a hit and run claim this year.

 

[_GuRu_]

Im assuming that the OP doesnt have collision coverage, but does have either Medical or PIP (if available in your state).

Thus they are agreeing to pay your medical, but not your personal property due to the lack of collision coverage.

If you do have collision, as was suggested, contact a lawyer if they will not cooperate.

Im a property and casualty agent as well with MetLife, for the record

 

[Jefe]

A hit and run collision would be covered under your collision deductible. Not your UM coverage.

Unless you carry UMPD, not just UM for medical

Uninsured Motorist Property Damage insurance (UMPD) pays for damage an uninsured driver causes to your vehicle. Uninsured Motorist Property Damage insurance may also protect your vehicle if a hit-and-run driver damages it. Covered property may include personal property as well as your vehicle, depending on the state.

 

[lobra97]

USAA....that is all....
well some companies will reimburse you your decductible if they find you are not at fault. at least USAA did with us but then again it was in TX and it might be different in each state. good luck man, ****ing hit and runs are horrible....

 

[Jefe]

well some companies will reimburse you your decductible

They will do that and then subrogate the other party for your deductible. In this case though, we have no idea who the other party is

 

[lobra97]

oh i know, was info in case he wants to switch later. some people don't know unless they ask about it. i didn't know but buddy told me and when i asked all of a sudden they remembered...damn insurances lol

 

[lokslikasolstic]

Unless you carry UMPD, not just UM for medical

In KS & MO we don't have UMPD, so in the case that he doesn't collision coverage he would not be covered in a hit and run. But like you said that is different in each state.