A hit and run driver caused me neck pain, gas leak and dented front end. I have un insured motorist insurance but is it worth filing claim?

  • by mofun20
  • Jun 20,2018
  • 7 answers

A hit and run driver caused me neck pain, gas leak and dented front end. I have un insured motorist insurance but is it worth filing claim?


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Insurance Answers (7)

car253 3 weeks ago

Hit and Run is not covered under Uninsured motorist coverage. To use uninsured motorist coverage you have to identify either the car, license plate number, or the driver, drivers license number. If you have collision coverage then put in the claim. The damage to your car would be covered under the collision coverage. If you don't have collision coverage, you are out of luck. And, there is no medical unless you have "Medical Payments" coverage, and you probly don't have it. Most people don't.

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bo 3 weeks ago

sorry about that. I suggest if you are not married to your girl legally. you should not file claim. its the smartest decision. get better man

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? 3 weeks ago

Ok

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? 3 weeks ago

No

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Obi Wan Knievel 3 weeks ago

Probably not. Because the best you can come up with is pain.
First off, you won't be claiming anything under your Uninsured Motorist coverage. That coverage only kicks in if you can verify that the other vehicle wasn't insured, which isn't possible in a hit & run.
If you can't positively identify the vehicle that hit yours, which is what hit-and-run means, you can only claim for compensation under Collision coverage (for vehicle damage) and PIP / Accident Benefits (for injury) under your policy.
Your vehicle damage claim is easy, because repair costs can be calculated very quickly. Your injuries, however, will not be easy at all. You don't have solid fractures or burns or stitches, you just have pain. That's really hard to put a dollar figure on for any insurance company.

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lucy 3 weeks ago

With most auto policies, you could/should have either medical payment coverage or PIP, which could be dependent in the state where you live. With most med pay or PIP, it pays for any medical treatment for you and for (any) passenger in your car due to a car accident. So in (most) states if you have med pay or PIP, then it is primary, and (until) you max out the benefit, then your health insurance is secondary and then pays. So I suggest you contact your insurance to see if you have either med pay or PIP on your policy, and if so, then your auto insurance will cover your GF’s bills. With med pay or PIP, is considered no fault, since it covers you (if) at fault or (not) in an accident.
Now if you was to have uninsured property damages (car) then it won’t pay, unless you can ID the driver/owner responsible for this accident.
But with uninsured bodily injury it will most likely pay, even if you can’t ID the hit/run. I know that sounds weird to pay a settlement for your injuries, but none for your car damages.
If in fact that insurance agrees that you had a hit/run, like calling the police to the scene, then your own insurance would cover this like it would if in fact you knew/find the at fault driver on their insurance. So, an injury settlement is reimbursement of medical bills, any lost wages, then adds pain and suffering. Now this is dependent on your state where you live, if you would qualify or not.
I suggest you call your insurance and file a claim. Your insurance is required to explain what coverages you bought and what may apply in your instance, which is dependent on the state law where you live.

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David 14 3 weeks ago

No idea. How much damage was there?

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