It should be this way; if they don’t have coverage, you file on UM(if you had it) UM has a lower deductible and you get a rent car, and if you were injured..a liability claim. If no UM, Collision is your only choice.

But it’s BS for your insurance premiums to go up because some hair ball hit you and doesn’t have any insurance.

I got hit by a DART bud in a city owned & insured squad car and my rates went up. Wreck not my fault and has nothing to do with my personal insurance, dropped them like a hot potato.

“premiums will go up” … that may or may not have one thing to do with “you”. My rates have gone up almost every year and I haven’t had a auto claim in years. So, you could be the little old widow, school teacher; and your rates each year are going to go through the ceiling. At $100 an hour, cars costing $50 to $80 thousand, how can a company make money charging $2000 a year. (not counting liability payments to X attorney) Sounds like you’re doing the right things.

Stub, not sure I’m following, comprehensive is not for a collision accident, Collision is?

And if her company paid, under her policy, she would have a deductible, her company would subrogate against the other company and then and only then would she get her deductible back. Is that the right facts?

Couple of things here and don't shoot the messenger. Just trying to put the truth behind it all in persepective so you know what you are really dealing with.

Insurance pricing used to be simple. Nowadays with memory resources being so easy to manage, companies are charging out for everything. File a claim of any type, at fault, not at fault (including un-insured motorists), towing, deer, hail, theft and/or whatever and your rate will likely go up. In addition, these incidents used to be held against you for three years. We are more commonly seeing this for five and seven years these days. Like it or not, that is what is happening.

The pricing stuff indicated above is OVER AND ABOVE the more general increases created by the current economic environment. Most all underwriters are bleeding heavily and this rate increase trend is likely to sustain itself for at least the near future. If you had no claims in the past five years, your rates are likely to still increase. That is what is happening. It's just as bad on the home insurance front.

I hear that crapola of if , "I can understand an increase in insurance costs if I buy a new car" all the time. Your liability does not change when you buy a new car. Neither does UM Bodily Injurym rental reimpbursement, personal injury protection, towing & more - these major components of pricing have nothing to do with anyone having a new car. As for collsion coverage, yes, the cost of a total loss does go down, but the cost of a repair has risen significantly. Hugely in fact.

Driving without adequate UM coverage is dicey and especially right now. The state got the the rate of un-insured motorists down to about 20% (not a misprint). With rising prices and what is flooding in across the border, I would expect the 20% figure to increase. In addition and even if a vehicle is insured, state minimum lmits are set at $30K per person/$60K per accident and with a property damage liability limit of, get this, $25K. Hate to say it, but $30K ain't much "spit" these days.
$25k for property damage - just let that sink in.

You can't depend on LEO for adequate contact infomrmation and we tell this to all our clients - Auto claims have placed a lot of stress on insurance markets. Attorneys are taking extreme advantage of distracted driving and increased congestion. We have found quick contact with claimants can be instrumental in keeping stress levels down. Please take a photo of the other driver’s insurance card and try to obtain names, cell numbers and e-mail addresses for all involved in an auto incident. Police reports aren't always completed, take forever to obtain and often do not have anything other than mailing address. If you don't know who to conact, you can just sit there and get muddled up in its "system".

I can understand how so many get peeved and perturbed with the system. Have a claim which is not your fault and you have a lot of rigmarole to navigate. No one pays you for it.

I really appreciate the notion where somes think threats get them some where. Insurance policies are unilateral contracts. It's the adjuster's professional duty to make you whole while limiting the company's loss to the contractual document they sold. They don't always get everything correct at first, but more often than not, they do.

Great breakdown Hud!!!

I’m not saying you are at fault by any means, but I see people every day that drive super conservative maintain a huge following distance are on the brakes hard at the first hint of a slow down or brake light flash in front of them. Many are older when I pass them. I’m not saying it’s an excuse, but I would be shocked if they don’t get rear ended at a significantly higher rate than you more typical driver.

I see a far-larger percentage of people tail-gating everyday than I do people with large following distances.

I’m not saying you are at fault by any means, but I see people every day that drive super conservative maintain a huge following distance are on the brakes hard at the first hint of a slow down or brake light flash in front of them. Many are older when I pass them. I’m not saying it’s an excuse, but I would be shocked if they don’t get rear ended at a significantly higher rate than you more typical driver.

The investigating/affidavit writing officer should look up the VIN number and associated insurance rider (if any). Even if no current insurance, the registered owner has responsibility (unless he/she can prove theft).