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How Do Deductibles Work for Uninsured Motorist Coverage

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  • 08-09-2017, 11:11 PM
    SandlingAllDay
    How Do Deductibles Work for Uninsured Motorist Coverage
    My question involves insurance law for the state of: WASHINGTON

    My question is as follows:

    My auto insurance uninsured/underinsured motorist policy (UIM) -property damage deductible states it is $100/$300. *per person/occurance.

    Can someone explain how the deductible would work for a damaged vehicle covered by UIM for a hit & run. It being property damage, the person/occurance doesn't make that much sense, but I can't find anything at all to explain it.

    I can locate my policy ppw online, but the ORIGINAL paper declaration info explaining everything was taken in a robbery, and my insurance carrier does NOT have that specific information online.

    -my vehicle was hit while parked on the street.
    - I do not carry coll/comp
    -my ins carrier is running the claim through UIM, but charging me the higher deductible, the MAX deductible according to the policy.

    Thanks!
  • 08-10-2017, 10:51 PM
    adjusterjack
    Re: How Do Deductibles Work for Uninsured Motorist Coverage
    Quote:

    Quoting SandlingAllDay
    View Post

    -my ins carrier is running the claim through UIM, but charging me the higher deductible, the MAX deductible according to the policy.

    You filled out this form when you took out the policy and selected UIMPD:

    http://www.21st.com/insurance-inform...ns-wa-form.pdf

    Note where it says:

    Quote:

    "There will be a deductible of $300 for property damage when the damage is caused by a hit‐and‐run driver or a phantom vehicle. In all other cases of Underinsured Motorists Property Damage Coverage, there will be a deductible of $100."
    That's why your deductible is $300 instead of $100.
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