Someone did a door ding on a very wendy day, and left. I have $1000 deductable on comprehensive. If they would file it under comprehensive, I would be better to take care of it myself. Am I wrong for thinking that uum will not cover because they cannot locate the other motorist? It is at LEAST a $500 dent. ty
uim I mean
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$500 bucks for a door ding, is this an actual quote? most shops can do it for a hundred bucks if its very easy to get to, look up paintless body repair. I was going to do the same thing your doing and I was told by a body shop to find a paintless body repair person so i did charged me only $100 to fix the ding, good luck though also I would probably lower your comprehensive 1000 is extremely high, I pay 120 a month for two vehicles full coverage and have a 0 dollar deductible for comprehensive and 250 for collision thru Allstate
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Mushu
No, you're not wrong for thinking UIM will not cover. UIM is underinsured motorist coverage, which only covers you if the at fault party is under-insured.
Also, this is not a comprehensive claim. A windy day does not change the coverage. This will be collision.
PS - I an LOVING Evan's answer right about now. Stick around Evan, we can use you here...
Anonymous
Yes you are wrong .....with a couple of things. Your comprehensive will not cover such an "accident, Your collision coverage would cover a dent such as you describe And.....You would have to pay your collision deductible first.
UUM (Uninsured motorists) will not cover. In most US states UM will only cover medical expenses to you and to your passengers IF the other person was uninsured. It is mis-named and it is not surprising that so many people think it will pay to fix your car. It will not !
Also....In my opinion having a $1000.comprehensive deductible is foolish. Most comp claims are smaller amounts and having such a large comp. deductible means you will end up paying for most comp claims out of pocket. I have a zero comprehensive deductible. Some insurance companies are no longer allowing no deductible comp coverage and if they don't I would take the smallest deductible allowed.
In any case you need to be speaking with your agent and not asking on the internet. Your agent is always your best source.
Good Luck
Anonymous
If filed on your own policy it would initially fall under Collision coverage actually. Depending on the state it can fall under UMPD (Under insured / Uninsured Motorist Property Damage). What state did everything take place it?
Edit: Based off of your profile you are in Indiana. If so UMPD can only take place if the other drivers information is known and it can be proved that they are uninsured.