Quote:
Originally Posted by dereds
No wisdom to offer but happy to hear you and Sabo are good.
TYVM sir. And thanks to my fellow politards for sharing their wisdom !!!1!
To my obvious surprise, the very legitimate industry sources I consulted all assured me that it is 100% industry standard that uninsured motorist coverage doesn't cover hit&runs. I also asked these good folk to please not say "go after" (pet peeve).
I'm also pretty surprised that a couple of politards mentioned that coverage they believed was only liability & uninsured paying off in a parked car hit&run. But, as mentioned, one or maybe both payoffs were decades ago. I never had to file such a claim back in the day, but I vaguely remember hearing/etc it was like that back then. It might be a matter of the insurance product being offered under the name "uninsured coverage" has drifted over time.
As for daisy-chaining the insurance coverage back through the vehicles... I've always heard that to be true as "accepted wisdom" also... it's something I've heard all my live.
However, I've been assured, that I can file an insurance claim, or a lawsuit, against anyone I can identify. However, if the insurance company has a police accident report in hand, saying their client wasn't to blame, that filing such a claim would be variously what my insurance company advised ("a waste of time"), to most optimistically "don't hold your breath, but anything's possible, I guess".
The Blazer drivin' fool, like myself, has a major-mega insurance company, both of which takes claims over the interwebs. Actually reading the policy, getting a free lawyer consult, and making a perhaps futile but easy online insurance claim... that is basically a free-roll... I figure. I might just get off my ass and do these things. Unless lightning strikes... I'll spare my fellow politards the sorry remainder of the saga of
Sabo's car wreck.