Uninsured Motorist Claims Process

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My kid just got into an accident. Other driver has no insurance and it's his fault.

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No way this happened in Louisiana. We don't have any drivers like that.

I was hit by a girl who was playing with her radio and failed to yield. She had just purchased insurance a few days before and if I recall, her coverage kicked in 14 days after purchasing. It was some local cheap insurance.

Had to go through my insurance and they were not successful collecting from her company. My premium did go up, but it was about a year later.. And it went up by like $60/month if I recall.

Now I despise people who drive with no insurance.

My advice to you is your UM carrier does not have the same mindset that you do, namely; that they are there to protect you son against uninsured drivers.

Rather, they are of the mindset of settling your claim for the least amount of money possible and lowballing the hell out of you.

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receiving a refund of your deductible?

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If the other party received a ticket, go to court and ask the DA to make restitution of your deductible a part of any plea agreement.

Premiums cannot be raised due to a UM claim.

Get a lawyer or you will be sorry.

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($2k deductible).

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Your UM deductible should be lower than your Comp/Coll deductible. So at least you got that going for you.

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1. Was the insurance company successful in collecting from the at-fault party, therefore you receiving a refund of your deductible?

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Yes. I had all the drivers information though and had a significantly lower deductible ($250)

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2. Did your premiums go up?

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Mine did not from what I remember, it was like 4 years ago

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3. Any other thoughts/insights?

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I was legitimately shocked at how quickly they sent me payment for my deductible. I figured there was a minimal chance I would get anything. I received payment in the mail like a month after the accident IIRC.

Background info: I have Geico and it was a fairly insignificant fender bender

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My kid just got into an accident. Other driver has no insurance and it's his fault.

We carry UI Motorist insurance so we'll have to file the claim on our policy ($2k deductible).

For those with any experience with this, questions:
1. Was the insurance company successful in collecting from the at-fault party, therefore you receiving a refund of your deductible?
2. Did your premiums go up?
3. Any other thoughts/insights?

TIA.

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The process is you collect from YOUR insurance company and who really cares if they go after the other driver or not, that is THEIR problem.

Seriously, file a claim with your insurance, and they handle the rest. If it's ANYTHING other than that, you have some shitty insurance. I have Shelter and I've been hit twice by assholes who didn't have insurance, both times Shelter took care of everything , even paying for pain and suffering and such and in both cases I know they said they didn't go after the other driver, because how do you go after somoene who doesn't have anything to get? They just write it off as the cost of doing business and raise everyone's rates.

Im sure the police arrested the driver for not having insurance right?

Naw.

But they probably gave you a ticket for expired brake tag

I waived UM. A few years ago, I was rear ended by a motorist who had an insurance card, but State Farm had trouble contacting the insurance company and felt the insurance card was fraudulent. The driver was an undocumented immigrant and the state trooper said its common for them to carry invalid insurance cards. Paid my $250 collision deductible, and since I was not at fault, State Farm told me my premium would not increase. About a year later, State Farm sent me a $250 reimbursement check. Apparently they got their money somehow. I need to read up on UM, but it seems like a scam.