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What does waiver of collision deductible coverage in California for uninsured motorists coverage?
Wiki User
∙ 12y ago
The California Collision Deductible Waiver (CDW) is coverage which waives your collision deductible if you are hit by a negligent uninsured motorist.
The CDW option with a personal auto insurance policy in California pays your collision deductible when you carry collision coverage on a vehicle that is damaged by an uninsured or hit-and-run motorist who is At Fault. Coverage typically applies only when there is actual physical contact and when you can identify the uninsured driver or vehicle.
Some insurance companies will not even talk about the coverage even if it is included in your policy until you bring it to their attention.
Wiki User
∙ 12y ago
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What is an uninsured motorist endorsement?
An uninsured motorist endorsement is an added insurance policy for motorists. It covers injuries that have resulted from a collision by an uninsured driver.
What can I do when Unknown driver damages my car and leaves the scene?
If you have collision coverage on your car insurance you can have your car repaired by our own insurance company, subject to your deductible. Depending on the state if you are carrying uninsured motorists property damage the coverage may be used to repair your vehicle too, often at a deductible of $200-$300. Check your declarations page for an outline of your coverages, and refer to your policy contract for the details on your uninsured motorists property damage coverage.
Do you have to pay the deductible when your car is damaged by a hit and run driver if you don't have uninsured motorist coverage?
If you do not have an uninsured motorist property damage coverage, your collision might be used to pay for the repairs to your car, in which case your collision coverage deductible will be used.
Do you always pay deductible if your car got hit in your driveway during the night and you don't know who hit you?
Yes, this would be covered with your uninsured motorists coverage and all uninsured motorists sections have a deductible of at least $250 or higher for the property damage section of the UM coverage. If later on the person admits or some way it is discovered who hit the car, then you would get your deductible back when you company was reimbursed by the person or their insurance company.
What type of insurance will pay for damages if you are the victim of a hit and run?
Uninsured motorists coverage is the coverage that is designed to cover this type of accident. Collision will also cover it if you don't have uninsured motorists coverage on your policy but you may be charged with an accident on your policy. A-Plus answer Comprehensive Coverage.
If a motorcycle rider in WA has no insurance and he rear ends a car can uninsured motorist coverage take care of the car and does the insurance company come after the rider to get the money back?
You got it! If you've got uninsured motorists property damage, then your company will pay for the damage to your vehicle caused by the uninsured motorcycle operator. You may have a small detuctible, $200-$300, and the the insurance company will sue the at-fault party to recover both the money they spent and your deductible, this process is called subrogation. The process works the same if you don't have the uninsured motorists property damage coverage but do have collision.
In a collision an uninsured motorist was at fault who pays for the damage insurance or uninsured motorist?
The insurance will pay for your damage if you have insurance from underinsured motorists. Otherwise, the motorist will pay for it who doesn't have insurance if they have any money.
What are the seven parts of auto insurance policies?
I guess it depends, most policies have these coverages, some standard some optional. Liability Property Damage Medical Payments Collision Other Then Collision (Comprehensive) Uninsured Motorists Underinsured Motorists Rental Reimbursement Each state varies, some might be offered or not.
What is uninsured motorists economic only mean?
economic only
If you were forced into a concrete stairway and the driver of the other car took off can you get your truck fixed through your insurance?
Only if the car carries collision coverage or the residing state offers uninsured motorists coverage for property damage. (some states don't). Also, with a hit and run, depending on which state your in, will depend on whether or not uninsured motorists for property damage will apply with hit & run.
What legal rights do you have when an uninsured motorist rear ends you?
If you have uninsured motorists coverage your insurance company will take the place of the other parties insurance coverage less a small deductible. They will then go after the other party to collect the amount of damages paid out plus your deductible. If and when it is all collected they will send you back your deductible. If your insurance company handles the claim for you and pays your damages you will have no further recourse as you sign over your legal rights to the insurance company under a subrigation agreement.
Will auto insurance pay on an uninsurred motorist?
If you have an uninsured motorists coverage, then it should.
