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BOBBY27 · Jan 24, 2011, 09:28 PM

I was involed in a car accident and rear ended a parked car.I was transported to the hospital where I was treated for injuries.I later received a ticket for wreckless driving.After leaving hospital after overnight monitoring. My passenger who also was in the car during the accident informed me that the accident was caused by him. He further began to tell me that in an attempted to clean the windsheild he julted the steeringwheel to the right (toward him). He do not have car insurance.I went to court for the ticket and was placed on driving probation for six months.If I do not receive any moving violations the ticket will be dismissed.After dismissal of the ticket can I file a claim under my uninsured motorist coverage. Being that he has no insurance is this covered under my unisured motorist coverage.

Fr_Chuck · Jan 24, 2011, 10:00 PM

Your ticket has no bearing on your ability to file for a claim,

The local will make the difference as to how it works, but normally if your car was at fault, you are looking at collision coverage, and liablity coverage for those you hit

RichardAL · Jan 25, 2011, 06:01 AM

It seems like you are asking if your passenger's medical bills are covered by your uninsured motorist coverage?, can you clarify this ? But if this is what you are asking, no he will not be (in most states that is). Uninsured motorist is exactly what it says... a "motorist" (someone who is driving an uninsured vehicle) is "uninsured" or has no insurance collides with you and causes you are your passengers to be injured. In this case the vehicle was parked and you hit that parked vehicle and you gave no indication that it wss parked improperly (such as with the rear end jutting out into the street but even if so, that would be a far stretch to seek coverage for your passenger's medical bills under their uninsured motorist coverage). Your passenger would be covered by your Medical Payment coverage, not by your or the other vehicles Uninsured Motorist coverage. Damage to your vehicle is covered by your collision coverage and damage to the parked vehicle is covered by your Liability coverage.