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Total-Bag-8973 t1_ivz6msy wrote

Reply to comment by thisoneisnotasbad in Uninsured motorist crashed into neighbors house and fled the scene by orangekrush19

I worked for 20 years in the claims industry. Unless things have changed, or VT insurance is different, I know of nothing that will cover this particular instance except Homeowners.

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pkvh t1_ivzessx wrote

Yeah it's a homeowners claim.

A 25k deductible is ridiculous for a homeowners policy.

Same as if an uninsured tree came smashing through the wall.

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thisoneisnotasbad t1_ivz9dud wrote

I agree but that is not at all what you said. In fact I said the same thing in that only your car is covered, not your house.

What You said is, > Physical damage a/k/a "collision" covers your car. Uninsured motorist covers BODILY INJURIES.

And that is just plain misinformation. Perhaps in your haste you didn’t feel like explaining the intricacies of UM/UIM and how they apply but that does not change the post you made was just plain wrong.

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Total-Bag-8973 t1_ivza5jc wrote

Then, I stand corrected. This must be something new. I've been out of the business for a while.

Thank you for the information. Lesson learned and filed away for future use.

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thisoneisnotasbad t1_ivzak37 wrote

No problem. Sorry people are downvoting you. I also don’t assume your were trolling or intentionally trying to mislead, this all the links of supporting info. Have a great day and a good weekend.

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Total-Bag-8973 t1_ivzatko wrote

As I said, this must be something new, and I am somewhat of a dinosaur! LOLOLOL!

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