Auto Insurance Claims/Phantom Driver

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Expert: - 6/4/2010


Question
I was involved in an auto accident where my car was totaled and I received injuries, I have Grange Ins. The accident was a result of another driver trying to take my lane on a busy interstate, I moved over on the shoulder to get out of his way and hit the concrete barrier wall. The driver didn't stop however a witness did and she is listed on the police report. I live in KY, am I entitled to my uninsured motorist coverage?

Answer
Hi Stephanie,

As long as the witness will provide a statement that they actually saw the other vehicle cut you off and force you off the road, then your uninsured motorist coverage should pay. However you should read the uninsured motorist section of your policy. In some cases it may state thet there has to be actual physical contact with an other vehicle.

I hope this helps
Richard Hixenbaugh  

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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