mn joe, i worked quite a few years for an insurance company handling claims. you do need to read the specifics of your policy. however, a hit and run accident involving another vehicle would be under the collision portion of the policy and the deductible would apply. under the umpd portion of the policy, un-insured motorist property damage coverage, the other driver would need to be proven not to have insurance. the insurance policy depends on the "proximate cause of loss" in this case, collision with another vehicle" comp coverage would apply to vandalism, theft, collision with animal, ect. something i found unusual would be that hitting a pedestrian with an automobile is covered under the collision portion of the policy, not under comprehensive coverage.
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Today's Featured Article - Gatherin of the Orange - by Rick Nikolich. In July of 1998 I was talking to fellow Allis Chalmers collector Mike Schilling about the annual "Gathering of The Orange" AC show coming up in August of 1999. He got this wild idea that we should get a convoy of AC tractors and drive them from Charlotte, Michigan 105 miles to LaGrange, Indiana.
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