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I live in Colorado and recently I was rear-ended by a car whose driver doesn't have a valid car insurance. The guy was at fault and was arrested for DUI. I have an insurance with full coverage, including coverage for uninsured motorist (UM). Because I already have Collision coverage I don't think that I have the optional uninsured motorist property damage (UMPD) coverage. Now, Travelers (my insurance) wants me to pay for the deductible ($500). I don't think it's fair because I'm not at fault. Do you know if the insurance is right ? What are my options ? Thanks
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