re: Uninsured Motorist Claims Process

quote:

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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.