Originally Posted by Tammy C

1) Are you insured through an agency, a brokerage or a direct handling company?

2) Invoke the privacy act and advise the company that wrote your policy that you want to see all documents pertaining to the policy. Specifically, you want to see the original application that has your *SIGNATURE* declaring that you DECLINE uninsured motorist coverage. If you didn't sign, you didn't decline REGARDLESS of what they verbally tell you.

3) if the vehicle is financed I assume you have collision coverage? You should have the collision deductible waiver which in essence waives the deductible because the person is uninsured. Your company should pay the loss and pursue the other party for recovery.

4) If you do not have the collision deductible waiver you pay the $500 deductible (or what ever it was) and get the vehicle fixed. Worst case scenario you are out your deductible.

5) If you didn't have collision coverage you are probably in breach of contract for the loan and will probably have to eat the amount of the loan.

6) You have the option to sue the other driver in court for damages.

Originally Posted by Tammy C

My bad, I had to correct myself. The collision ded waiver wouldn't apply because you don't have UIM Bodily injury.

But you should have collision.

Who are you insured with?

What year is the truck?