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btnetigers
LSU Fan
South Louisiana
Member since Aug 2015
1663 posts

Auto Insurance Question
Say you work at a location that requires you park in a huge parking lot with tons of other cars. When you leave in the evening to go home you see where another car has backed into your car causing damage to where you will have to replace your bumper. No number left or anything - just a dumbass hitting your car and leaving....in auto insurance terms, will this be covered under collision or comprehensive?


SonicAndBareKnuckles
Member since Jun 2018
384 posts

re: Auto Insurance Question
It will be uninsured motorist coverage


Shadowlink
LSU Fan
The Shadows
Member since Apr 2014
1307 posts

re: Auto Insurance Question
quote:

collision
Would be under this if that's the only two choices you have.
quote:

It will be uninsured motorist coverage
It could be under uninsured motorist property damage as a hit-and-run. Would need a police report. I know in Louisiana usually you have collision or uninsured motorist property damage, but not both.


DukeSilver
Houston Astros Fan
Member since Jan 2014
1175 posts

re: Auto Insurance Question
quote:

I know in Louisiana usually you have collision or uninsured motorist property damage, but not both.


I'm in Texas so can't 100% confirm, but at least here this is incorrect.

Collision covers you to fix your own car if you are the cause of the accident.

UI/UIM covers you to fix your car if it's someone elses fault and they either don't have any or don't have enough coverage.


So OP, if you have UI/UIM coverage then that's what you would use. If you do not then you would just have to use your collision coverage. But again, I'm in Texas and not Louisiana. You should just contact your agent either way so he can explain your specific coverages and options though.
This post was edited on 4/10 at 11:39 am


Chad504boy
New Orleans Saints Fan
Member since Feb 2005
130365 posts
 Online 

re: Auto Insurance Question
Collision coverage. You'll pay your deductible and pay higher rates for next 5 years. Probably not worth filing claim over what so ever.


Slickback
New Orleans Pelicans Fan
Deer Stand
Member since Mar 2008
27102 posts

re: Auto Insurance Question
quote:

Collision coverage. You'll pay your deductible and pay higher rates for next 5 years. Probably not worth filing claim over what so ever.


Unless you’re with a good company that doesn’t surcharge you for not-at-fault accidents :shotsfired:


Chad504boy
New Orleans Saints Fan
Member since Feb 2005
130365 posts
 Online 

re: Auto Insurance Question
maybe maybe not. but still would limit your auto shopping options then! :BOOM:

i still stand by most companies do surcharge in some sort of way!
This post was edited on 4/10 at 2:38 pm


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AaronDeTiger
LSU Fan
baton rouge
Member since Jun 2014
1028 posts

re: Auto Insurance Question
Go look around the parking lot tomorrow and find the a-hole with matching damage to their car and call the police. My BIL did this and got his shite fixed.


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30
yellowfin
Chicago Cubs Fan
Coastal Bar
Member since May 2006
91701 posts

re: Auto Insurance Question
quote:

It will be uninsured motorist coverage




No it won’t

It’s collision


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Twenty 49
LSU Fan
Shreveport
Member since Jun 2014
11005 posts

re: Auto Insurance Question
State Farm says:

quote:

Collision coverage pays to fix or replace a car that's been damaged in a collision with another object, or if it rolls over.


quote:

Uninsured motor vehicle insurance, or uninsured motorist insurance, helps pay your medical expenses, lost wages and related damages if you're in an accident caused by a driver who doesn't have liability insurance.


But there is UM-property damage (UMPD) available in some places. Check with your agent or read your dec page to see what you have.

quote:

There are two types of uninsured motorist coverage, one that can cover injuries and another that can cover your car. Most drivers who buy uninsured motorist coverage buy the kind that covers injuries. Typically when people refer to uninsured motorist, they’re referring to uninsured motorist bodily injury coverage (also known as UM or UMBI).

There is also uninsured motorist property damage coverage (UMPD); however, it isn’t nearly as common as UMBI and is not available in all states.

LINK


Chad504boy
New Orleans Saints Fan
Member since Feb 2005
130365 posts
 Online 

re: Auto Insurance Question
quote:

There is also uninsured motorist property damage coverage


you can't buy this when you carry collision coverage. This is only if you have liability only that you can make this coverage purchase. The coverage as OP needs falls under collision.


hawgndodge
Chicago Cubs Fan
Member since Jun 2009
3532 posts

re: Auto Insurance Question
You can in Arkansas.

And uninsured coverage has to be prove-able. Hit and run is not uninsured. Uninsured means the other person DID NOT have insurance. In Texas you're required to file a police report on a hit and run in order for uninsured on a hit and run to come in play and you'll still have a deductible. In Arkansas there's a deductible but not required to have a police report.


Chad504boy
New Orleans Saints Fan
Member since Feb 2005
130365 posts
 Online 

re: Auto Insurance Question
here's a good article that gives a nice breakdown of coverage difference for all states.

LINK


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Tiger Prawn
LSU Fan
Member since Dec 2016
11260 posts
 Online 

re: Auto Insurance Question
quote:

Collision covers you to fix your own car if you are the cause of the accident.

UI/UIM covers you to fix your car if it's someone elses fault and they either don't have any or don't have enough coverage.



In LA, collision coverage fixes your car regardless of who is at fault. If the other party was at fault and has insurance, you generally want to file against their insurance so you don’t have to come out of pocket with your deductible while waiting for your insurer to subrogate against the other driver. But your collision pays for fixing your vehicle if hit by an uninsured driver.

Regular UM is strictly injury related. You can buy UM Property Damage if you don’t carry collision.

To OP, if you make a claim on your policy then your collision coverage and deductible applies and its classified as a not-at-fault accident. Its illegal in LA for insurers to surcharge a not-at-fault accident but some carriers circumvent this by having an “accident free discount” that you could lose over a not-at-fault. Check with your agent if you aren’t surr


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