Pontiac1972
New Member
- 4
Hi thank you so much for this forum!
I am in a situation where the at-fault party had the CA minimum coverage of 5,000 property and 15,000 bodily injury. The other party's coverage also happens to match the 5,000/15,000 un/underinsured coverage that I have. I am being told by my insurance adjuster:
"Unfortunately, your Uninsured Motorist coverage is 15,000.00 so we would not be able to consider an Underinsured Motorist Bodily Injury claim."
So is that correct that my 15,000 Underinsured Motorist coverage will not apply to pay the difference in my bodily injury costs because it matches the amount of the other parties coverage? I have heard that if I had less coverage than the other party that there would be no coverage. But I assumed that if my bodily injury coverage matched theirs that it would pay up to 15,000 in the deficit of expenses.
I am in a situation where the at-fault party had the CA minimum coverage of 5,000 property and 15,000 bodily injury. The other party's coverage also happens to match the 5,000/15,000 un/underinsured coverage that I have. I am being told by my insurance adjuster:
"Unfortunately, your Uninsured Motorist coverage is 15,000.00 so we would not be able to consider an Underinsured Motorist Bodily Injury claim."
So is that correct that my 15,000 Underinsured Motorist coverage will not apply to pay the difference in my bodily injury costs because it matches the amount of the other parties coverage? I have heard that if I had less coverage than the other party that there would be no coverage. But I assumed that if my bodily injury coverage matched theirs that it would pay up to 15,000 in the deficit of expenses.