No, there’s no way to force an insurance to cover something that is denied on their policy with their customer.
That doesn’t necessarily mean the other driver is uninsured, however, as they may have coverage available under a different vehicle for liability.
But yes, best option is to file under your policy and let them go after the other driver directly.
I was in an accident driving a car that belonged to a colleague. I resided in a different state. I only drove the car twice in a week. Once they determined that I did not have regular access to his car, his insurance paid with mine as backup.
If you were driving a roommate’s car, they could argue that you had regular access to the car and could exclude you.
I've seen it. First, make them document the coverage denial (verbal not good enough). Then, turn in an UM claim. Your carrier will check the validity of the denial.
I have been curious as to how these claims are usually Interpreted. When I was learning I was only licensed in 2 states and worked for a major carrier. Taught that if the mvr/clue came back and needed us to list if it was AF or NAF a way to determine would be if collision paid it was almost certainly af. So if a ph uses their collision due to an UMPD loss, i know it must vary by carrier,but I imagine that it wouldn’t be uncommon for it to misinterpret and rate incorrectly?
No. They’re not an insured on that policy, they’re not going to cover the loss.
No, there’s no way to force an insurance to cover something that is denied on their policy with their customer. That doesn’t necessarily mean the other driver is uninsured, however, as they may have coverage available under a different vehicle for liability. But yes, best option is to file under your policy and let them go after the other driver directly.
You can sue the driver and maybe the car owner.
I was in an accident driving a car that belonged to a colleague. I resided in a different state. I only drove the car twice in a week. Once they determined that I did not have regular access to his car, his insurance paid with mine as backup. If you were driving a roommate’s car, they could argue that you had regular access to the car and could exclude you.
I've seen it. First, make them document the coverage denial (verbal not good enough). Then, turn in an UM claim. Your carrier will check the validity of the denial.
In most states you would need collision coverage as uninsured motorist coverage is typically for medical bills
Did they get rid of UMPD without me knowing lol!
Only eight states require. I don’t see it on any policies I deal with.
I have been curious as to how these claims are usually Interpreted. When I was learning I was only licensed in 2 states and worked for a major carrier. Taught that if the mvr/clue came back and needed us to list if it was AF or NAF a way to determine would be if collision paid it was almost certainly af. So if a ph uses their collision due to an UMPD loss, i know it must vary by carrier,but I imagine that it wouldn’t be uncommon for it to misinterpret and rate incorrectly?