I was rear ended while I was stopped at a red light and the other vehicle involved was not insured. I have uninsured motorist insurance coverage. I paid $500 and the insurance company paid the rest. I want to be reimbursed for my $500.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 18, 2019

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Insurance Question from Cottonwood, MN

Asked on 03/18/2019

I was rear ended while I was stopped at a red light and the other vehicle involved was not insured. I have uninsured motorist insurance coverage. I paid $500 and the insurance company paid the rest. I want to be reimbursed for my $500. There is no deductible for my uninsured motorist coverage.

Answer given on March 19, 2019

If you were rear ended by an uninsured driver, and they are identifiable, your insurance company should pay you for the damages to your car. Most uninsured motorist property damage coverages do not have a deductible. However, you should review your insurance policy or talk to your agent or the adjuster for this claim to confirm that

If the other driver was NOT identifiable, then the uninsured motorist property damage coverage will not apply.  It would then fall to your collision coverage, and there is usually a deductible for that coverage. So if you have a $500 deductible for collision, then that deductible will apply.  The only way to get that money back is to take the other driver to small claims court.  It is possible your insurance company will try to recover the money from the other driver, if they find him. If they succeed, they will give you some or all of your deductible back.


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