Uninsured Motorists Coverage and Denial of Liability

Our insured was recently involved in an accident, where the other driver was cited for running a stop sign. Our insured was not cited. Unfortunately, the other party's insurer has declined to pay for the damage to our insured's car, stating that they believe their insured had no liability for the accident. Also, our insured has no collision coverage.

We then submitted the claim to our insured's carrier for payment under Property Damage Uninsured Motorists Coverage – Ohio . That endorsement agrees to pay for damage to the insured's auto done by an uninsured driver. Part of the definition of "uninsured motor vehicle" includes a situation where the at-fault party is insured, but the insurer "denies coverage or becomes insolvent."