If i sue my own insurance company, will my rates move about up?
it was a hit and run and wasnt my fault. i be hurt and am going after my uninsured motorist policy. and will my insurance drop me?
Answers:
You need to contact your police department and return with the other drivers info they will give you what info they have on him, if they enjoy his ins. info you need to go after them for compensation.
If it's a hit and run and you have a police report stating as much then you shouldn't hold to go to the length of suing your own company. Try conversation to your claims handlers supervisor before a attorney. It should be pretty cut and dry (unless there's a whole story to all this).
Good Luck.
Ps - In practice, though not within any measurable ammount, the cost of litigation plus and payout, etc will have to be made up by the company in some opening (raising everybody's general rates, including yours).
You do not have to sue you insurance carrier. Just wallet a claim with your agent on your uninsured motorist coverage. This coverage will only repair your vehicle if you pass physical damage coverage on your vehicle (full coverage). If you are injured and have medical expenses or lost wages, depending on your state you can wallet under your personal injury coverage. Talk to your agent, before you wish you want to sue. I think you will have a much better
grasp of your rights and coverages. Good luck.
Your rates will NOT go up if it is not an "at fault" accident. Source(s): Licensed insurance agent
This is what you own coverage for - you aren't suing anyone, just filing a claim. Your rates may step up - but this is also a fear that keeps population from filing every claim - good agreement for insurance company.
Nope. It's not surchargable.
But putting in an uninsured motorist claim is NOT the same as suing your insurance company. YOu're not suing them - your putting contained by a claim for coverage you purchased.
BTW, uninsured motorist is NOT limited to people who are proven to not own any insurance - it ALSO covers unidentified, hit & run drivers, AND drivers who are insured, but whose companies have gone penniless, and therefore can't pay (not frequent of those, though!) Source(s): agent, 21+ years
uninsured motorist simply covers you if the other motorist is proven to not have ins. Get a lawyer. And yes your rates will travel up if anyone will insure you at all.
Have you given your insurance company the opportunity to see what they can do for you? That would be the first step but in a hit and run situation it is not the insurance company that have wronged you, it is the driver who left the scene. Without unidentified hit and run coverage (which I own never heard of), I don't know who you have to move about after. If you have medical coverage on your auto insurance policy, it will pay for that amount of injury if it is proven to be from the stroke of luck. Secondly, if you ever have a legitimate aim to sue your insurance company then I'm thinking that is not a company that YOU want to stay next to whether they drop you or not. Especially over a none at fault accident. Just other do what you are doing now. Research your information before file suit which just results in the cost of attorneys and adjectives of our insurance going up regardless of who "wins". Good luck. Source(s): Have worked in insurance field for 13 years.
Uninsured Motorist Protection provides protection contained by an accident caused by a motorist who does not pass insurance. The other person MUST be identified (in order for the insurer to recuperate their losses) in order for a claim to be salaried under this coverage. This coverage is not applicable in a hit-and-run scenario since the other driver be never identified. Therefore do not bother trying to file a claim or suit based on this coverage as you will not be successful.
I pilfer it you are not in a No-Fault jurisdiction or else your insurer would be address your injuries. Some jurisdictions have a special Hit-and-Run or Unidentified Motorist coverage. If you made a proper report to the police and you made a claim underneath these coverages then your rates should not increase, however consult with your Broker/Agent to ensure you own complied with all the insurers requirements to ensure your rates do not increase. You will also necessitate to have the above mentioned coverages, or Collision coverage, in command to cover the damages to your vehicle.
If you do not have any of the coverages I mentioned, then your singular hope is that your jurisdiction has a Victim's Fund or a Victim of Crime fund that you can apply to have your damages covered. However I do not recommend bothering near a suit against your insurer as you do not have any basis for a suit.
Related Questions:
Answers:
You need to contact your police department and return with the other drivers info they will give you what info they have on him, if they enjoy his ins. info you need to go after them for compensation.
If it's a hit and run and you have a police report stating as much then you shouldn't hold to go to the length of suing your own company. Try conversation to your claims handlers supervisor before a attorney. It should be pretty cut and dry (unless there's a whole story to all this).
Good Luck.
Ps - In practice, though not within any measurable ammount, the cost of litigation plus and payout, etc will have to be made up by the company in some opening (raising everybody's general rates, including yours).
You do not have to sue you insurance carrier. Just wallet a claim with your agent on your uninsured motorist coverage. This coverage will only repair your vehicle if you pass physical damage coverage on your vehicle (full coverage). If you are injured and have medical expenses or lost wages, depending on your state you can wallet under your personal injury coverage. Talk to your agent, before you wish you want to sue. I think you will have a much better
grasp of your rights and coverages. Good luck.
Your rates will NOT go up if it is not an "at fault" accident. Source(s): Licensed insurance agent
This is what you own coverage for - you aren't suing anyone, just filing a claim. Your rates may step up - but this is also a fear that keeps population from filing every claim - good agreement for insurance company.
Nope. It's not surchargable.
But putting in an uninsured motorist claim is NOT the same as suing your insurance company. YOu're not suing them - your putting contained by a claim for coverage you purchased.
BTW, uninsured motorist is NOT limited to people who are proven to not own any insurance - it ALSO covers unidentified, hit & run drivers, AND drivers who are insured, but whose companies have gone penniless, and therefore can't pay (not frequent of those, though!) Source(s): agent, 21+ years
uninsured motorist simply covers you if the other motorist is proven to not have ins. Get a lawyer. And yes your rates will travel up if anyone will insure you at all.
Have you given your insurance company the opportunity to see what they can do for you? That would be the first step but in a hit and run situation it is not the insurance company that have wronged you, it is the driver who left the scene. Without unidentified hit and run coverage (which I own never heard of), I don't know who you have to move about after. If you have medical coverage on your auto insurance policy, it will pay for that amount of injury if it is proven to be from the stroke of luck. Secondly, if you ever have a legitimate aim to sue your insurance company then I'm thinking that is not a company that YOU want to stay next to whether they drop you or not. Especially over a none at fault accident. Just other do what you are doing now. Research your information before file suit which just results in the cost of attorneys and adjectives of our insurance going up regardless of who "wins". Good luck. Source(s): Have worked in insurance field for 13 years.
Uninsured Motorist Protection provides protection contained by an accident caused by a motorist who does not pass insurance. The other person MUST be identified (in order for the insurer to recuperate their losses) in order for a claim to be salaried under this coverage. This coverage is not applicable in a hit-and-run scenario since the other driver be never identified. Therefore do not bother trying to file a claim or suit based on this coverage as you will not be successful.
I pilfer it you are not in a No-Fault jurisdiction or else your insurer would be address your injuries. Some jurisdictions have a special Hit-and-Run or Unidentified Motorist coverage. If you made a proper report to the police and you made a claim underneath these coverages then your rates should not increase, however consult with your Broker/Agent to ensure you own complied with all the insurers requirements to ensure your rates do not increase. You will also necessitate to have the above mentioned coverages, or Collision coverage, in command to cover the damages to your vehicle.
If you do not have any of the coverages I mentioned, then your singular hope is that your jurisdiction has a Victim's Fund or a Victim of Crime fund that you can apply to have your damages covered. However I do not recommend bothering near a suit against your insurer as you do not have any basis for a suit.
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