y*****n
发帖数: 45 | 1 我是学生，在校外租公寓住，车停在公寓的免费趴车位上。今天早上准备开车出去时发
现车的左侧被人
撞了个坑，还要白色漆留在我车上面。一定是之前停在我左侧的车撞的。十有八九是这
个公寓小区的车
撞的，可是我不知道是哪辆车撞的。这真是飞来横祸。我的车是02年的旧车，但是外形
保养很好，车的
保险只是半保。是不是报警也没有用，只能怨自己倒霉了？ |
s*******n
发帖数: 2828 | 2 yes
【在 y*****n 的大作中提到】
: 我是学生，在校外租公寓住，车停在公寓的免费趴车位上。今天早上准备开车出去时发
: 现车的左侧被人
: 撞了个坑，还要白色漆留在我车上面。一定是之前停在我左侧的车撞的。十有八九是这
: 个公寓小区的车
: 撞的，可是我不知道是哪辆车撞的。这真是飞来横祸。我的车是02年的旧车，但是外形
: 保养很好，车的
: 保险只是半保。是不是报警也没有用，只能怨自己倒霉了？
|
S*********g
发帖数: 5298 | 3 你的保险里面有没有uninsured motorist coverage?
【在 y*****n 的大作中提到】
: 我是学生，在校外租公寓住，车停在公寓的免费趴车位上。今天早上准备开车出去时发
: 现车的左侧被人
: 撞了个坑，还要白色漆留在我车上面。一定是之前停在我左侧的车撞的。十有八九是这
: 个公寓小区的车
: 撞的，可是我不知道是哪辆车撞的。这真是飞来横祸。我的车是02年的旧车，但是外形
: 保养很好，车的
: 保险只是半保。是不是报警也没有用，只能怨自己倒霉了？
|
s*******n
发帖数: 2828 | 4 this is hit and run, usually covered by comprehensive
【在 S*********g 的大作中提到】
: 你的保险里面有没有uninsured motorist coverage?
|
S*********g
发帖数: 5298 | 5 他这个是正好在uninsured motorist clause的范畴:
http://en.wikipedia.org/wiki/Uninsured_motorist_clause
The next category consists of hit and run drivers. When an individual flees
the scene of an accident without leaving sufficient information to identify
him or herself, the individual is considered uninsured for the purposes of
an uninsured motorist provision. Note, however, that a positive ID of the
license plates in a hit and run accident will often be considered by
insurance companies sufficient information to identify the negligent hit and
run driver. Such identification will often lead to the denial of an
uninsured motorist claim, as insurance companies will often litigate the
claim, bringing in the registered owner of the vehicle with matching plates,
even where that person denies involvement in the accident.
【在 s*******n 的大作中提到】
: this is hit and run, usually covered by comprehensive
|
y****e
发帖数: 1012 | 6 bd
【在 y*****n 的大作中提到】
: 我是学生，在校外租公寓住，车停在公寓的免费趴车位上。今天早上准备开车出去时发
: 现车的左侧被人
: 撞了个坑，还要白色漆留在我车上面。一定是之前停在我左侧的车撞的。十有八九是这
: 个公寓小区的车
: 撞的，可是我不知道是哪辆车撞的。这真是飞来横祸。我的车是02年的旧车，但是外形
: 保养很好，车的
: 保险只是半保。是不是报警也没有用，只能怨自己倒霉了？
|
s*******n
发帖数: 2828 | 7 sorry I wasn't clear,
his car is hit in a PARKING LOT, 99% the insurance will use comprehensive to
cover it, you can search here and there are several topics about this....
flees
identify
and
【在 S*********g 的大作中提到】
: 他这个是正好在uninsured motorist clause的范畴:
: http://en.wikipedia.org/wiki/Uninsured_motorist_clause
: The next category consists of hit and run drivers. When an individual flees
: the scene of an accident without leaving sufficient information to identify
: him or herself, the individual is considered uninsured for the purposes of
: an uninsured motorist provision. Note, however, that a positive ID of the
: license plates in a hit and run accident will often be considered by
: insurance companies sufficient information to identify the negligent hit and
: run driver. Such identification will often lead to the denial of an
: uninsured motorist claim, as insurance companies will often litigate the
|
s*******n
发帖数: 2828 | 8 my memory, if serves me right, reminds me that one agent explains the reason
why they cover it by comprehensive, is becasue the victim cannot prove it
was a VEHICLE who actually hit his car.....
to
【在 s*******n 的大作中提到】
: sorry I wasn't clear,
: his car is hit in a PARKING LOT, 99% the insurance will use comprehensive to
: cover it, you can search here and there are several topics about this....
:
: flees
: identify
: and
|
y*****n
发帖数: 45 | 9 comprehensive 和uninsured motorist有什么区别啊？ |
s*******n
发帖数: 2828 | 10 call your insurance company and practice your english
【在 y*****n 的大作中提到】
: comprehensive 和uninsured motorist有什么区别啊？
|
|
|
K******S
发帖数: 10109 | 11 I had similar experience. My progressive agent told me as long as I reported
the accident (there's police report), they will cover it under uninsured
motorist. So I guess it depends on individual company.
to
【在 s*******n 的大作中提到】
: sorry I wasn't clear,
: his car is hit in a PARKING LOT, 99% the insurance will use comprehensive to
: cover it, you can search here and there are several topics about this....
:
: flees
: identify
: and
|
s*******n
发帖数: 2828 | 12 yes, sounds more reasonable
reported
【在 K******S 的大作中提到】
: I had similar experience. My progressive agent told me as long as I reported
: the accident (there's police report), they will cover it under uninsured
: motorist. So I guess it depends on individual company.
:
: to
|
y*****n
发帖数: 45 | 13 如果算是uninsured motorist，我以后的保险费会涨吗？ |
b********6
发帖数: 35437 | 14 不光会涨，而且会留纪录影响resell，仔细想想 |
j*******T
发帖数: 606 | 15 8年的车了, 还指望将来卖车小赚一笔?
【在 y*****n 的大作中提到】
: 如果算是uninsured motorist，我以后的保险费会涨吗？
|
