Auto Insurance Claims/Deductible

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Question
Good morning.

A teenager without insurance slammed into my passenger side damaging door and part of front light. Teeneager was passing all car fast on the interstate at 70mph without using blinker and not looking to the his left side when changing lanes. My insurance is saying that a $ 200 deductible has to be paid by me and stating that 'all' insurances apply this fee across the board in the case of an 'uninsured collision' #uninsured vehicle.#

I do not feel it is fair that I should pay anything!

What suggestions/guidance do you have?

Thank you!

R,
Monica Lowe ingeri

Answer
The law in Virginia requires a $200 deductible for Uninsured Motorist Coverage, which would apply for this accident.  You can ask the teenager's parents to pay you the $200 deductible.  If there is a court hearing for the teenager's criminal citation, you could ask the judge to order this in the form of restitution.

Auto Insurance Claims

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Claims Guy

Expertise

I am currently an Auto Claims Manager for a large insurance company. I have 20 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Experience

I am currently an Auto Claims Manager for a large insurance company. I have 20 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators

Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.

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