x***l
发帖数: 31 | 1 一两个月前，车停在路边被后面的车给撞。当时有baby在车上，第一反应是看孩子有没
有事。等我看完孩子，后面的车已经闯红灯，逃之夭夭了。我下车看了下，看见bumper
被撞裂。还以为不严重，也没报警。
昨天去修车行，师傅说要换bumper. $750
mufflers 可以不换，他们可以帮我弄直。
1。 我的车有全保，但是deductible是1000. 在想要不要把mufflers也修了。
2.因为时间过了两个月，保险公司还会保吗？当时也没有通知他们。
谢谢大家帮我想想最好要怎么处理？ | a****o
发帖数: 6612 | 2 安慰一下。你可以向你的保险公司询问理赔事宜。可能需要补警察报告。
另外，hit and run走的uninsured 保险，和collision, comprehensive部分的不同，
确认一下该项的deductible是不是1000。 | c**********r
发帖数: 2372 | 3 baby on board还要hit & run
这人太差了
安慰你 | l**********g
发帖数: 638 | 4 the uninsured doesn't work on hit and run.
【在 a****o 的大作中提到】
: 安慰一下。你可以向你的保险公司询问理赔事宜。可能需要补警察报告。
: 另外，hit and run走的uninsured 保险，和collision, comprehensive部分的不同，
: 确认一下该项的deductible是不是1000。
| l********i
发帖数: 8858 | 5 yes usually not work.
【在 l**********g 的大作中提到】
: the uninsured doesn't work on hit and run.
| a****o
发帖数: 6612 | 6 http://www.civtrial.com/auto/texas-uninsuredunderinsured-motori
A surprising number of people find our website by asking some version of the
question, “Does uninsured/underinsured coverage apply to hit and run
claims?”
The short answer is “yes.” However, there are special rules governing hit
and run claims.
The first question is whether it’s a true hit and run. Just because the
other driver fails to stop doesn’t make the case a ”hit and run” case for
uninsured/underinsured coverage purposes. If you are able to track down
the other driver down (for example, through a license plate or witnesses),
then it’s not a “hit and run” driver, and the special rules don’t apply.
If you can’t track the other driver down, then your uninsured/underinsured
coverage does apply, but it is subject to the contact rule: before the
coverage kicks in, there must be contact between your car and the driver
that takes off. If a driver runs you off the road, but there is no contact
between the vehicles, then the coverage doesn’t kick in.
Applying the contact rule can be a little tricky. First, courts have found
that indirect contact (for example, the hit and run driver hits car “A”
which causes car “A” to hit you) is sufficient to trigger the coverage.
Courts have also been clear that you have to contact the vehicle itself.
Courts have held that hitting a load that falls off a vehicle isn’t enough
to trigger coverage. In another ridiculous decision, the Supreme Court even
held that your uninsured/underinsured motorist coverage isn’t triggered
when an axle (or other part of a vehicle) falls off and hits your car.
So the short answer is “yes,” uninsured/underinsured insurance will cover
hit and run accidents if the contact rule is met.
【在 l**********g 的大作中提到】
: the uninsured doesn't work on hit and run.
| l**********g
发帖数: 638 | 7 it's apply to different state.
the
hit
for
【在 a****o 的大作中提到】
: http://www.civtrial.com/auto/texas-uninsuredunderinsured-motori
: A surprising number of people find our website by asking some version of the
: question, “Does uninsured/underinsured coverage apply to hit and run
: claims?”
: The short answer is “yes.” However, there are special rules governing hit
: and run claims.
: The first question is whether it’s a true hit and run. Just because the
: other driver fails to stop doesn’t make the case a ”hit and run” case for
: uninsured/underinsured coverage purposes. If you are able to track down
: the other driver down (for example, through a license plate or witnesses),
|
|
