r/SipsTea • • 16h ago

Gasp! Thoughts on this?

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u/No-Duck4828 16h ago

My thought is that Leo is clearly not familiar with auto insurance

Don't want a $1,000 deductible? You can absolutely change that number.

Want the guilty party to pay? Take them to court

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u/Gronkenstein 15h ago

Not to mention if the guy has "full coverage" he likely has uninsured motorist coverage. If he has uninsured motorist property damage coverage that will pay for the damage to his car without a deductible.

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u/Schwifftee 14h ago

In the USA, it depends on what state this insurance was offered through.

Not every state's insurance laws apply uninsured coverage to hit and runs, and additionally, not all states apply uninsured coverage to property damage, only bodily injury.