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Old 10-24-2005, 07:56 PM
adtkart adtkart is offline
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As I said before, the insurance laws in every state are different. Uninsured Motorist coverage is not the same as Collision coverage. If the other driver or vehicle is not insured, or identified, it comes into play. It has nothing to do with your driving record or your rates. In VA and NC, the adjuster handling a claim under Uninsured Motorist must handle it like the vehicle that they actually insured, is the claimant. The reason for that, is that they are, after the claim is settled, going to go after the other person to get the money back. They cannot take the other person to court with the appearance that they gave away the bank.

As for the damage, if you can just crack the door open, when it is damaged that way, and tell that the hinge pillar is not damaged, you may have missed your calling. When a door and fender is hit in that way, there are very few people in the repair industry that don't have to check a whole lot to make sure it isn't damaged. Usually, until another door is installed, you cannot be sure.

Aaron
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