Posted On: March 14, 2005, 2:47 pm CST

Posted By: Superjuster

I think both ideas have merit but still missing is one of the reasons for the cost of UMPD being so high. As an adjuster of 36 yrs. I have worked too many claims to count on UMPD where the insureds verhicle was damaged by persons unkown whereas in reality they backed into a pole, sideswiped a guard rail, or otherwise picked up a "whisky dent" knowing full well they were at fault but they had no collision insurance. And, even if they were struck while "parked and unattended" who is to say the perp. was not insured. To me, paying a UMPD claim when the perp. is unknown was not the intent of UMPD coverage, only the intent of an out of control judicial system that "makes law, not iterpret it" as intended by the constitution.