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Old 12-30-2015, 03:17 PM   #21
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Originally Posted by ArkTinkerer View Post
We got hit by an uninsured motorist. They covered our vehicle without a problem. We did not have comprehensive and it was covered under the uninsured motorist clause. We were not at fault--the vehicle was parked.
You likely had UMPD - Uninsured Motorists Property Damage - in place of CDW (Collision Deductible Waiver).

UMBI, what most folk have, covers Bodily Injury only.

This whole thread, along with the other Insurance thread currently active, reminds me of how little most folk know about their insurance policies. A frustrating situation for insurers, agents and customers alike.

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Old 12-30-2015, 03:27 PM   #22
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Originally Posted by utrecht View Post
In a lot of places, the police will not be dispatched to a minor accident where nobody is injured.
Then I'd keep her blocked till she provided the information & if she didn't like that, she can call the cops.

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Old 02-19-2016, 04:44 PM   #23
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Mercury Insurance contacted me and got my side of what happened. I gave the lady my witness' information and after talking to him, she accepted that their insured was at fault. The young lady who hit me was trying to blame me for the accident and it was the witness testimony that helped me get my $500 deductible back.

It turns out that the "coverage issues" was due to the fact that another name was on the Mercury Insurance coverage.

I've gotten my car back but now I hear rattling noise coming from the passenger side door. The fender was crushed which is what caused the washer fluid leak. But why the noise? I googled it and it seems to be a problem with the Corrolla, but mine was quiet before the accident.

Anyways, glad my deductible was reimbursed. Since it was the other driver's fault, I am not expecting my rates to go up.
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Old 02-19-2016, 05:50 PM   #24
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Glad to hear it worked out pretty much as good as it could have under the circumstances.
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Old 02-21-2016, 05:54 AM   #25
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I hate to say this, but I wouldn't expect much. I was hit by an uninsured motorist. The damage was much worse (~$12,000), so the police were even called. She showed the officer an insurance card, but it really had lapsed. My insurance company even had to garnish her wages for a long time. Finally after 12 years, yes 12 years, my insurance company gave up. I finally got $241 of my $500 deductible at that time. I am guessing they only recovered the same percentage. Good news, my insurance company took care of the repairs and didn't raise my rate. (By they way I didn't even own that car by the time I got the money and had forgotten all about it.)
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Old 02-21-2016, 12:08 PM   #26
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Glad you finally got some restitution from the at-fault driver. Having a witness can really make all the difference when an initially apologetic driver inexplicable denies all culpability when contacted by their insurance agent. That's why I learned that even when the other party admits fault, promises to pay, and begs you not to go through their insurance, I would insist on taking down (taking pictures of) their proof of insurance and noting the expiration date, driver's license, and car license.

I was summoned from inside a grocery store after a witness stated she saw a hit and run driver hit our parked car, so the witness provided me her phone number. The police tracked down the driver at his home nearly a month later. The driver initially denied being involved. But when confronted with the witness's account, he finally confessed to the officer and provided his insurance information.

So many scumbag drivers who try to slip away. Afterwards, I did mail the witness a gift certificate to a nice restaurant in her town.

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