Does uninsured motor insurance cover damage to a car in North Dakota?
My car was hit in a parking lot, and the person who hit me cannot be found. I want to know if my uninsured/underinsured coverages covers body damage. I only have liability insurance. Is it worth reporting a claim, will my insurance cover getting my car fixed?
Comments
Who do you have insurance with? Contact your local agent and just say "I was wondering if my car gets hit in a hit and run, if my current insurance would cover that?" If they say yes, it would cover, then tell them "Okay, then I have a claim." If they say "No," Just say, "Okay thanks!" and hang up.
Edit:
Foshizel is wrong, in ND all you need is liability coverage. I do not keep collision on one of my vehicles because it's only worth about $600. The liability is to pay for the other guys car if you get in a collision.
In most states, despite the misleading name, uninsured motorist insurance only pays for medical costs for the driver and his passengers and only if the other driver is at fault and does not have insurance. It will not pay for damages to your car. For that coverage,in this case you would need collision insurance
No. Collision would cover if you had that coverage. If you can't find the person that hit you, how do you know he or she is uninsured?
No, it doesn't cover damage to the car itself.
You need collision or uninsured motorist property damage, and I don't believe the second one is available in ND.
you're lined and could could declare off your guy or woman coverage. you're able to be able to desire to objective an pursue them for the time of the courts for the expenses yet pondering maximum uninsured drivers are lowlifes and deadbeats, you in all danger could in hassle-free terms get £a million each and every week or some thing stupid like that.
in all states, as well as in all provinces, you must have collision coverage on your policy to cover such an event - and, it's subject to your deductible....so, if you have collision coverage, i'd suggest you get an estimate first, and see if it's worth putting a claim in for after your deductible is factored in.