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!

