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Uninsured Motorist Claims Process
Posted on 11/14/18 at 12:53 pm
Posted on 11/14/18 at 12:53 pm
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.
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.
23
Posted on 11/14/18 at 12:55 pm to Breauxfessor
quote:
My kid just got into an accident. Other driver has no insurance and it's his fault.
No way this happened in Louisiana. We don't have any drivers like that.
Posted on 11/14/18 at 12:55 pm to Breauxfessor
Let me help here.
You will pay.
Insurance company will profit.
Politicians will get free Sugar Bowl suite tickets from said insurance company.
Lawyers will make money too some how.
You will pay.
Insurance company will profit.
Politicians will get free Sugar Bowl suite tickets from said insurance company.
Lawyers will make money too some how.
Posted on 11/14/18 at 12:57 pm to Breauxfessor
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.
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.
Posted on 11/14/18 at 12:57 pm to Breauxfessor
1. No
2. Yes
3. Use your health insurance to pay for the medical bills and don't make a claim for pain and suffering, and the hit won't be so bad.
2. Yes
3. Use your health insurance to pay for the medical bills and don't make a claim for pain and suffering, and the hit won't be so bad.
Posted on 11/14/18 at 12:58 pm to Breauxfessor
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.
Rather, they are of the mindset of settling your claim for the least amount of money possible and lowballing the hell out of you.
Posted on 11/14/18 at 1:00 pm to Festus
quote:
and the hit won't be so bad
UM is a no fault claim so it should not count against your underwriting but who knows, I'm sure they would find a way to hold it against you.
Posted on 11/14/18 at 1:01 pm to Breauxfessor
quote:
Uninsured Motorist Claims Process
Step one: Prepare thy anus
Step two: Bite the pillow
Posted on 11/14/18 at 1:01 pm to Breauxfessor
quote:
receiving a refund of your deductible?
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.
Posted on 11/14/18 at 1:03 pm to Breauxfessor
quote:
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?
My kid got t-boned on the way to school a couple years ago. He was turning onto the street his school is on and a woman ran the red light without even touching the brakes. She was on drugs. No insurance, of course. His car was totalled.
1. Got a check for around $36k, but they recouped nothing from the woman. No refund of deductible.
2. Premium did not increase.
3. He got a herniated disc and has had back trouble ever since. I didn’t seek anything from my insurance company other than what was given for the car. I feel like they did their part in covering the car.
Posted on 11/14/18 at 1:05 pm to Breauxfessor
Premiums cannot be raised due to a UM claim.
Get a lawyer or you will be sorry.
Get a lawyer or you will be sorry.
Posted on 11/14/18 at 1:07 pm to Demshoes
quote:
UM is a no fault claim so it should not count against your underwriting but who knows, I'm sure they would find a way to hold it against you.
GEICO said those exact words when I called and reported the claim. When policy was renewed, rates went up. When I called later, was told the pay out on the accident was the reason.
Posted on 11/14/18 at 1:07 pm to Breauxfessor
quote:
($2k deductible).
Your UM deductible should be lower than your Comp/Coll deductible. So at least you got that going for you.
Posted on 11/14/18 at 1:08 pm to Breauxfessor
I deal with this all day. Get a lawyer.
Posted on 11/14/18 at 1:08 pm to Breauxfessor
quote:
1. Was the insurance company successful in collecting from the at-fault party, therefore you receiving a refund of your deductible?
Yes. I had all the drivers information though and had a significantly lower deductible ($250)
quote:
2. Did your premiums go up?
Mine did not from what I remember, it was like 4 years ago
quote:
3. Any other thoughts/insights?
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
Posted on 11/14/18 at 1:08 pm to TigrrrDad
quote:
3. He got a herniated disc and has had back trouble ever since. I didn’t seek anything from my insurance company other than what was given for the car. I feel like they did their part in covering the car.
Bruh, seriously?!?! you pay exorbitant premiums for UM coverage, and that covers personal injuries. That's parental malpractice IMO.
Posted on 11/14/18 at 1:09 pm to Murtown
quote:
Get a lawyer or you will be sorry.
In the same breath wondering why our rates are so high... would you happen to work in the “field”
Posted on 11/14/18 at 1:10 pm to Breauxfessor
UMPD will be handled just like a non at fault collision claim. Shouldn’t be any different.
Posted on 11/14/18 at 1:10 pm to Murtown
quote:
Premiums cannot be raised due to a UM claim.
Get a lawyer or you will be sorry.
What he'll save in the prevention of a premium increase will be lost on the cost of a lawyer.
What a world we live in.
This post was edited on 11/14/18 at 1:11 pm
Posted on 11/14/18 at 1:12 pm to Breauxfessor
quote:
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.
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.
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