So yesterday evening, someone sideswiped my parked car and just sped off. Didn't catch the plates or anything, and now I'm stuck dealing with repairs. A buddy mentioned something about uninsured motorist coverage maybe helping out in situations like this, but honestly, insurance stuff makes my head spin a bit. Has anyone been through something similar or know if this coverage actually helps when the other driver just disappears?
"A buddy mentioned something about uninsured motorist coverage maybe helping out in situations like this..."
Yeah, uninsured motorist coverage can sometimes kick in for hit-and-run scenarios, but it really depends on your policy specifics and state laws. Did you already check your insurance documents or call your agent? A few years back, my neighbor had a similar issue—parked car got clipped overnight—and his uninsured motorist coverage ended up covering most of the repairs. Worth looking into carefully before paying out-of-pocket...
"Worth looking into carefully before paying out-of-pocket..."
Definitely agree with this. Had a similar thing happen last summer—someone sideswiped my parked car and vanished. Thought I'd have to eat the cost myself, but uninsured motorist coverage saved me a good chunk of change. Policies vary though, so double-check your paperwork or give your agent a quick call. Better safe than sorry, especially if you're watching your budget like me...
Had something similar happen a while back—thought uninsured motorist would cover it, but turns out my policy didn't include hit-and-runs. Definitely worth calling your agent first... insurance fine print can be sneaky sometimes. Saved me from an unpleasant surprise later.
