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Does uninsured motorist coverage normally have a deductible?
If I had to submit a claim after being hit by an uninsured driver, would I have to pay a deductible?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Most insurance companies will cover the costs of any injuries caused by an uninsured motorist within your policy limit. If your costs exceed your policy limit, you may need to pay them out of pocket.
Depending on where you live, you may have a deductible for your uninsured motorist property damage. If you submit a claim for damage done to your vehicle by an uninsured driver, you would be subjected to that deductible.
Typically these deductibles are significantly lower than traditional full coverage deductibles. Most policies have a $250 to $500 deductible depending on the coverage selected.
The only other reason you may have to pay a deductible is if you don’t have uninsured motorist coverage and are required to file a claim through your
collision insurance
.”View full answer
- Gregory R.
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