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!

[Great-Kazoo]

Call the strongarm!

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.