Coverage Question

[djs]

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.

The OP definitely inferred it was a hit and run. He did this when he asked "What would a hit and run be considered", though never clearly stating this was a hit and run.....

Now, what do you mean by 'unknown vehicle'? The hittee or the hittor? I'm not clear on this. I'm just curious, always interesting to see different state rules on some of these common situations.

Dan

 

[USF3983]

I'm an ***, lol. I didn't read the whole thing. The vehicle that hit the other and vanished. My colleagues at the Allstate next door to our independent agency have informed me of this.

 

[best14rates]

There are ma factors to this question. Yes it is a collision claim as it was not vandals that did this. Each carrier has different ways they list the claim it could also be considered a not at fault accident but it will pull as an accident on you r record. Most agents have the capability to dispute the claim and change it to a not at fault claim if it shows up as an at fault accident. Contact your agent and asks them if it is going to rates on your renewal as an at fault or not at fault they should be able to dispute it if you are being charged with a at fault.

 

[jmr30183]

Hit-and-run claims are paid by Uninsured Motorist Coverage in some states and by Collision in others. Here in Georgia, it has to filed as a Collision claim and the deductible has to be met. My dad had a $2800 hit-and-run claim in 2009 and, even though it was filed under his Collision coverage, it didn't impact his renewal premium.

 

[NGeorgia]

You are incorrect for Georgia. If a police report is obtained it will be paid as uninsured motorist. Without a report it will likely be a collision claim. A police report can also be a private property incident report that is properly filed.

 

[MarkKaspar]

It's differ from state to state and some times you belong to another state and got an accident in another state.

 

[jsplumb13]

Unfortunately a deductible will still apply, and it will be phrased as a collision claim. That being said, these particular collision claims cannot be used to adversely affect your rates, as there is no way that your friend can be considered at fault in this situation. Hopefully this friend has a reasonable deductible.