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Property Damage with Low Insurance Coverage

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  • 06-22-2013, 12:00 PM
    yugi
    Property Damage with Low Insurance Coverage
    My question involves an injury that occurred in the state of: California

    My car was hit when it was parked on a street. Another car, next to it was hit too. I ordered police report and discovered that the driver who hit those cars had a DUI and he tried to escape (hit and run), but was unable to do it due to the damage to his car. The driver is 18 years old. His insurance has only minimum coverage of $5000. Police report says in two witness statements that he first hit one car, and was entangled in it. He tried to free his car, succeeded, but after he freed his car he hit another car. The question is it considered to be one accident, or two separate accidents? If it's two accidents, than the insurance can cover both damaged cars up to $5000 each, while $5000 for both cars is not enough.
    His insurance says that it's one accident.
  • 06-22-2013, 12:27 PM
    adjusterjack
    Re: Property Damage with Low Insurance Coverage
    It's one accident.

    The insurance company will pro-rate the settlements.

    Depending on the cost of the damage to each car, you could each get significantly less than your repair cost.

    If you have collision coverage, let your own insurance company pay for your repairs.

    If you don't have collision coverage, you are free to sue the driver for the full amount and pursue collection for whatever part his insurance doesn't pay.
  • 06-22-2013, 12:31 PM
    yugi
    Re: Property Damage with Low Insurance Coverage
    I don't have collision coverage, but I do have UMPD coverage. Will this cover the difference? The other party insurance company pays about $1800 less than my estimate. My insurance company said that UMPD doesn't apply, as the driver had insurance.
  • 06-22-2013, 05:13 PM
    adjusterjack
    Re: Property Damage with Low Insurance Coverage
    Quote:

    Quoting yugi
    View Post
    I don't have collision coverage, but I do have UMPD coverage. Will this cover the difference? The other party insurance company pays about $1800 less than my estimate. My insurance company said that UMPD doesn't apply, as the driver had insurance.

    Your insurance company is correct.

    UMPD stands for Uninsured = other driver has no insurance.

    You would have needed Underinsured Motorists Property Damage coverage when other drivers are only partially insured.

    But read your policy's coverage part to make sure.
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