Feels like a unicorn when it happens...
- Totally get what you mean. Had a buddy who waited almost a year for his deductible to come back after a subro claim—he actually got it, but it was like winning the lottery.
- I always double-check for that UMPD deductible now. Some carriers sneak it in, others don’t, and it’s not always obvious.
- For classic cars, I’m extra cautious. One hit from an uninsured driver and you’re out more than just the deductible if parts are rare.
- It’s frustrating, but hang in there. Sometimes the system works, even if it’s rare.
Had a claim once where the other driver vanished—no info, nothing. Took ages to get anything back, and even then it was just the deductible. Curious, has anyone actually had luck getting full damages covered when the other guy’s uninsured? Or is that just wishful thinking...
Curious, has anyone actually had luck getting full damages covered when the other guy’s uninsured? Or is that just wishful thinking...
Is it really wishful thinking though? I mean, isn’t that what uninsured motorist coverage is for? I’m new to this whole insurance thing, but from what I’ve read, if you have the right coverage, your own policy should pay out for stuff like this. Unless I’m missing something, why would you only get your deductible back? Is it just because you didn’t have uninsured motorist property damage, or is there some loophole they use to avoid paying?
Honestly, the whole process seems kind of stacked against you if the other driver disappears. But I don’t get why people say you’re just out of luck unless you have some super specific coverage. Shouldn’t basic insurance protect you from this kind of thing? Or is that just not how it works in reality...
I’ve wondered the same thing, honestly. It feels like “basic” insurance should cover more, but in my experience, unless you specifically add uninsured motorist property damage, you’re kinda stuck. Had a buddy get rear-ended by an uninsured driver—his regular policy only covered his medical bills, not the car repairs. Super frustrating. Maybe it’s just how the companies write the fine print...
I get where you’re coming from, but it’s not always just the “fine print” tripping people up. The way policies are structured, basic liability is really just about protecting others from your mistakes—not fixing your own car if someone else messes up. It’s kind of like bringing an umbrella for yourself but not for your car, if that makes sense. I’ve seen folks surprised by this all the time... and honestly, it’s a headache for everyone involved. But yeah, unless you add that extra coverage, you’re usually out of luck on property damage.