The insurance policy for the person that rear ended me was apparently cancelled and they can’t find a new policy. PGP.
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You can file with your own insurance company under, uninsured/underinsured coverage. Should be the same as your other limits.
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What does that do to my rates, though? The other car was 100% at fault, and it would be BS if I’m punished for what happened.
Assuming you filed a police report, you should be fine.
You shouldn’t see a rate increase for using UI/UIM coverage. If you do, call and complain to your carrier, threaten to leave (after it’s paid out), etc. and it shouldn’t be changed. Just remind the carrier thar subro is their responsibility if they try to use that as an excuse.
The same thing happened to me a few years ago. A teenage girl whipped out of her high school parking lot and hit me. Apparently, her mom took her off insurance the day after she bought her car, so she was uninsured when she hit me. File an uninsured motorist claim with your own insurance company and you’ll be fine. You’ll probably have to pay a deductible, but your rates won’t go up. Your insurance will have you sign a subrogation agreement where you consent to them going after the driver that hit you to get your deductible money back.