Quote:
Originally Posted by upthesaukee
Uninsured/ underinsured motorist coverage is a liability coverage, the limits of which mirror your Bodily Insurance limits of liability(in NH by state law). Damage to your vehicle is not covered by this coverage. Physical damage is covered by collision with another vehicle or an object like a tree, rock, bridge, etc.. Damage to a vehicle not by collision is covered by comprehensive coverage, also known as Other Than Collision (OTC).
No collision on FLL's vehicle, no coverage.
Dave
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you are correct, so if he was hit and run, and did not have physical damage coverage on his own policy, there would not be any coverage as there would be no proof of the hit and run, also there would not be a party to claim against. ALso true if they knew who hit him and that party did not have insurance.
UL/UIL is for bodily insurance to yourself and others in your vehicle cause by a third party that either does not have insurance or not enough insurance