I have a friend who was parked outside a restaurant and someone backed into his car causing somewhere near $2000 in damage. I know with full coverage you have comprehensive and collision coverage, and by definition this is collision. With that being said, I have always understood that vandalism, hitting a deer, and acts of God are on the comprehensive side. What would a hit and run be considered?? Thanks
Coverage Question
- Thread starter JimmyUt
- Start date
It's collision.
While in California it doesn't happen this way, I have been told in some states for hit and run, deductible waiver may apply. If this is true and if they have a deductible waiver coverage for collision, they may not have to pay the deductible for the repairs. I would count on paying the deductible though.
Dan
While in California it doesn't happen this way, I have been told in some states for hit and run, deductible waiver may apply. If this is true and if they have a deductible waiver coverage for collision, they may not have to pay the deductible for the repairs. I would count on paying the deductible though.
Dan
- Thread starter
- #3
It is considered collision and they will have to pay their deductible. Also, it is charged as an at fault accident.
If the insurance co somehow finds out who did it, and the insurance company recovers, the deductible will be refunded.
- 11,997
Really state specific here. In NY a hit and run means you pay the deductible, but it doesn't impact rates.
I hope you give your clients the CORRECT info.......
This is the CORRECT info for my clients. I only work in IN however. I don't state that I know each states or companies rules. Usually I include a disclaimer, forgot on this one.
- 15,041
So your company charges the insured with an at fault accident if they are hit in a hit and run?
Each company is different I guess. I don't think the OP said it was a hit and run. I think Benwrigh inferred it was a hit and run though.
I'm only aware of Allstate in Florida charging it as an at-fault if its an unknown vehicle. So it sounds similar to what Benwrigh was inferring.
I'm only aware of Allstate in Florida charging it as an at-fault if its an unknown vehicle. So it sounds similar to what Benwrigh was inferring.
