In some states, they have to identify the driver and confirm they’re uninsured to use uninsured motorist coverage. For hit-and-runs, it usually falls under collision coverage, subject to your deductible.
This varies by state, so without knowing which one you’re in, we can only give general answers.
What state are you in? And what does your policy say? Why do you think USAA is lying?
Looks like OP left the chat to get a second job to pay for the repairs.
I’m not sure about NC, but in Florida, UM only covers medical bills if the other driver doesn’t have bodily injury (BI) coverage. Car damage falls under collision, not UM.
UMPD is helpful for covering damage to your car if another driver hits you, but it depends on your state’s laws. For example, in California, UMPD is capped at $3,500. If others were fully covered, their damage was probably less than that.
Collision coverage is for accidents involving moving vehicles, while comprehensive covers other types of damage. Be sure to state the facts when filing a claim, like ‘I came back to my car and found it damaged,’ and let the adjuster figure out what happened. Don’t make assumptions about how the accident occurred.
@Clancy
I get your point, but you can often tell if another car hit yours based on the damage. It’s not like we’re guessing if a moose or UFO hit it! The damage tells the story.
PolicyPro2 said:
@Clancy
I get your point, but you can often tell if another car hit yours based on the damage. It’s not like we’re guessing if a moose or UFO hit it! The damage tells the story.
I hear you, but my point is not to assume anything when filing the claim. The adjuster is there to figure out what happened. Just keep your options open.
Uninsured motorist only covers injuries if the other driver doesn’t have insurance. You’ll need to use your collision coverage for this.
Reese said:
Uninsured motorist only covers injuries if the other driver doesn’t have insurance. You’ll need to use your collision coverage for this.
Not always true. In some states, UMPD can cover hit-and-runs, even if the driver isn’t identified.
@Neo
Thanks for the clarification.
Uninsured motorist is usually for medical bills. You need to file under collision or comprehensive for this kind of damage.
Eli said:
Uninsured motorist is usually for medical bills. You need to file under collision or comprehensive for this kind of damage.
Nope. Comprehensive doesn’t cover car-to-car collisions. UMPD might apply, depending on the state.