08-09-2015, 11:42 AM | #1 |
Drives: 2013 Camero SS 6.2L Manual Trans Join Date: Mar 2015
Location: Bowling Green, Ky
Posts: 11
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Hit by under insured motorist
Was inside eating at a restaurant and a lady hit four vehicles in the parking lot (including mine). Turns out she only has state minimum insurance. (10k).
I'm forced to file this under my own and pay my $1000 deductible. I am at 0% fault. In Bowling Green, Ky on Camarofest weekend to top it off. (I live here).
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K&N CAI Xpipe, straight pipes, Throttle controller Last edited by BiGBaD; 08-09-2015 at 12:01 PM. Reason: Fixing |
08-09-2015, 11:45 AM | #2 |
ultracrepidarianism
Drives: '14 1SS/RS/1LE/NPP '18 Accord Sport Join Date: Mar 2014
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a trailer hitch? wow.
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08-09-2015, 11:47 AM | #3 |
Drives: 2014 Red Hot LS3 Join Date: Oct 2014
Location: SF Bay Area, CA
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Ouch. Good luck.
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08-09-2015, 11:52 AM | #4 |
Drives: 2012 ZL1 - #670 Join Date: Jun 2009
Location: Seminole, Fl.
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Been there, but mine was a red light runner with no insurance. Makes you just dislike people in general some days ...
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08-09-2015, 11:52 AM | #5 | |
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Quote:
Most policies doesn't enforce the deductible when non / under insured are at fault Mit makes no sense , if one are not at fault , why will those $ globbers nail you for that !? Freaking bastards never stop screwing one over , that why most of us really need no reason at all to hate the insurances companies ! |
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08-09-2015, 11:55 AM | #6 |
Drives: '04 Z06, '14BMW M235i, '15 SS/1LE Join Date: Feb 2014
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That's terrible man. What's wrong with people nowadays? I had the same situation when someone hit my car when it was parked. I had a $500 deductible and I was pissed too. But I forced him to pay it because I threatened to take him to small claims court. I let him do a 2 payment plan. I would contact her and tell her to take care of this deductible or you'll take her to court, get as much money as you can and get your baby fixed. If she doesn't pay take her to court. Don't pay and let it go.
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08-09-2015, 12:21 PM | #7 |
Drives: 2011 Camaro 2SS/RS Convertible and: Join Date: May 2014
Location: Central Texas
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I've never heard of a deductible for uninsured motorist.
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08-09-2015, 12:22 PM | #8 | |
Drives: 2013 1SS LS3 Join Date: Feb 2014
Location: Massachusetts
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08-09-2015, 12:55 PM | #9 |
Drives: 2015 zl1 Join Date: May 2015
Location: Cincinnati
Posts: 308
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Your car and 3 others in a parking lot and that much damage ? Was she road racing in the lot or driving a dump truck with a snow plow on it? Holy shit
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08-09-2015, 01:10 PM | #10 |
Drives: 2015 2LT/RS Vert Join Date: Mar 2015
Location: Dallas Area
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If I had to pay the deductible for an underinsured motorist claim, I would be seriously be looking for a new insurance company.
I've never heard of this.
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Mel
2015 2LT/RS 'Vert, RRM/Blk Designated Airworthiness Inspector; specializing in Amateur-Built and Light-Sport Aircraft. USAF Vet. <n168tx(at)flytx.net> Last edited by Mels RS; 08-09-2015 at 02:07 PM. |
08-09-2015, 01:23 PM | #11 |
Ret AF, cancer survivor
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^^^^ Agree; my wife was hit by an uninsured motorist a few years back; not charged a deductible.
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08-09-2015, 01:56 PM | #12 |
Drives: 2010 Camaro 2SS/RS LS3 Join Date: Oct 2013
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That sucks you could take her to samll claims got and you may not even need a lawyer. Most likely she does not have the money to pay you even if you win.
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08-09-2015, 01:56 PM | #13 |
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The dam uninsured motorist need to stay off the road.............there should be a law!
Oh ya and a trailer hitch? |
08-09-2015, 02:03 PM | #14 | |
7 year Cancer Survivor!
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Quote:
You need both uninsured and under insured coverages on your policy, if you don't you have to file a claim on your regular insurance and deductible will still apply.
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