Car insurance question?

[stenz]

If you are involved in an auto accident and the other driver whom is at fault does not have insurance, will your insurance company pay for the repair/replacement of the vehicle and any medical injuries?

[newracer]

Depends on your coverage.

[Dave_L]

Under the following circumstances:

If you have collision coverage, you can file a not-at-fault claim under the collision. You'll have to pay your deductible and the insurance co will go after the individual to get reimbursed (both their expense and your deductible).

If you have uninsured motorist property damage, you can file a claim under that coverage.

If you have medical payments, that will pay the first X amount of your medical bills. If you don't have this/after this is exhausted, see below.

If you have uninsured motorist bodily injury, you can file the medical bills under that coverage.

[Irving]

If you have collision coverage on your vehicle, your insurance will pay for damages to your vehicle regardless of who is at fault. If you have Medpay coverage on your policy, your insurance company will pay for your injuries up to your Medpay limits, regardless of fault. If the other person is indeed 100% at fault, and you don't carry medpay, but you do carry uninsured/underinsured bodily injury coverage, you can claim your injuries through that coverage, but it does not pay the same way as Medpay does.

This is all assuming that this accident occurred in Colorado and the other driver is 100% at fault.

[Irving]

Dave_L, I should have known you'd show up here...

[Dave_L]

Dave_L, I should have known you'd show up here...

Right back at ya. :P

[Ronin13]

Call the strongarm! [LOL]

[Great-Kazoo]

Call the strongarm! [LOL]

While i recognize the SARCASM. Him and every other ambulance chaser who runs ads on the tely are nothing but scam artist . OH No is someone going to sue me??

FIRST AMENDMENT !!!!

[Irving]

So have we answered your question?

[Great-Kazoo]

So have we answered your question?

Did the responding officer ticket the UI driver. Did the responding officer impound said vehicle since it wasn't insured? Or is impounding a vehicle no longer allowed under the guise of it being racist.

[BlasterBob]

After just moving out of Colorado to Illinois, the vehicle insurance is MUCH less expensive here in IL.

[Irving]

Did the responding officer ticket the UI driver. Did the responding officer impound said vehicle since it wasn't insured? Or is impounding a vehicle no longer allowed under the guise of it being racist.

Even if the officer did all of those things, he may have been able to do so without any indication of who was at fault for the accident. So even if that stuff happened, may not be helpful to OP with respect to being evidence against the other guy as far as liability.

[Ronin13]

While i recognize the SARCASM. Him and every other ambulance chaser who runs ads on the tely are nothing but scam artist . OH No is someone going to sue me??

FIRST AMENDMENT !!!!
Only two ways of getting rich: win the lottery, or sue some poor sap. [Shake]

Did the responding officer ticket the UI driver. Did the responding officer impound said vehicle since it wasn't insured? Or is impounding a vehicle no longer allowed under the guise of it being racist.
You can impound for NPOI, but it's not usually the case. More likely than not, if the vehicle is damaged to render it unsafe, it can be towed. Best course of action, hire an attorney and go after the uninsured guy... but then there is that old adage: You can't squeeze blood from a turnip.

[stenz]

This happened to my sister in law. The uninsured driver received a summons.

I'm not sure what her insurance carries but if she has basic full coverage insurance all she's going to have topay is her deductible correct?

[Ronin13]

This happened to my sister in law. The uninsured driver received a summons.

I'm not sure what her insurance carries but if she has basic full coverage insurance all she's going to have topay is her deductible correct?

And said summons will result in a fine, possibly some sort of minor punitive sanction at most. And yes, just deductible.

[Irving]

Yes, that will more than likely be correct. Any injuries? Is she okay?

[Bailey Guns]

Officers can also issue a form (don't recall what it is) that basically suspends the UI driver's license on the spot. They're given a form that allows them 7 days (I think that's correct) to file for DMV review. It's almost the same as a DUI revocation notice.

[Monky]

Well looks like Dave and Irv have it covered here..

I'll just sit back and wait for an ambulance to drive by..

[esizer]

Only two ways of getting rich: win the lottery, or sue some poor sap. [Shake]

You can impound for NPOI, but it's not usually the case. More likely than not, if the vehicle is damaged to render it unsafe, it can be towed. Best course of action, hire an attorney and go after the uninsured guy... but then there is that old adage: You can't squeeze blood from a turnip.

No need to hire an attorney unless you have a shit insurance company. You can allow them to subrogate and they'll represent your claim.

[Irving]

Well looks like Dave and Irv have it covered here..

I'll just sit back and wait for an ambulance to drive by..

You'll have a better shot if you wait by an intersection with a questionable left turn.

[Monky]

Nah.. The idiots run into each other all the time on iliff. Can walk to the scene


Sent by a free-range electronic weasel, with no sense of personal space.

[Aloha_Shooter]

After just moving out of Colorado to Illinois, the vehicle insurance is MUCH less expensive here in IL.

I'm happy to pay higher insurance to not have to live in Illinois.

[BlasterBob]

I'm happy to pay higher insurance to not have to live in Illinois.
i would possibly agree with you but wouldn't want the word to get back to my "Warden".