Difference between uninsured motorist and underinsured motorist coverage?
This is actually ONE coverage, serving two different purposes. You will often see this expressed on a declarations page as UM/UIM. Uninsured motorist coverage is self explanatory. YOUR uninsured motorist coverage on YOUR policy will pay for damages to your insured automobile when an 'at fault' vehicle does not have any insurance coverage to pay for your damages. UIM is UnderInsured Motorist coverage and would be available when the damages to -your vehicle exceed the amount of coverage in effect on the at fault party's liability coverage. This is an important coverage to have; very few state minimum liability limits are adequate anymore to offer full protection to owners. Rising auto costs and auto parts costs, plus the lower threshold to declare a total loss make higher UIM limits a sound decision.
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Of course. Do you think that NO ONE ever drives without insurance? Be covered and be protected against financial ruin. If you are a person who rarely carries passengers and you have good health insurance (which would cover any injuries you might incur in an accident anyway) why do you need to carry …uninsured motorist coverage (which only covers bodily injury, not damage to your veh)? . You don't. In addition, in Florida you are required to have PIP (usually $10,000 worth of coverage) anyway, so you end up with like triple coverage if you have a good medical policy, PIP and Uninsured Motorist coverage. MOST MEDICAL HEALTH ONLY PAYS A LIMITED PT, WHAT IF YOU NEED A NURSE TO TAKE CARE OF YOU OR FAMILY MEMEBER? YOUR MEDICAL HEALTH DOES NOT PAY FOR THAT. Contrary to what is written above, you need uninsured motorist coverage for the simple fact that it also provides for lost wages. If the accident causes you to miss time from work, how are you going to recoup those wages? Does your health insurance provide that coverage? Nope. Uninsured motorist also provides a pain and suffering benefit. If the person who hit you doesn't have the money to pay for insurance, how much money do you think you'll be able to get from them for pain and suffering? Nada. Get it- you need it. No, it is not necessary. Anyone who says you should have it without enquiring about how this might be duplicated because of other insurance coverage or job benefits is just a salesman. Each situation is different. As a general rule, however, if you have good health insurance you don't NEED this insurance. (MORE)
If you had an accident that was your fault you have uninsured motorist coverage the other driver was uninsured do you have to pay all the costs?
The at fault driver is responsible regardless of who has or does not have insurance. You were at fault, you get the bill. Fortunately though you have insurance. So they get the bill.
Do you have to pay the deductible when your car is damaged by a hit-and-run driver if you have uninsured motorist coverage?
This varies depending on your specific insurance company.. I am a claims adjuster for a California Insurance company. Our policy reads that as long as you have some sort of id for other party ie lic plate, we will waive or reimburse your ded. Without id you are on the hook.
If a car owner has full coverage on their vehicle including uninsured motorist can they allow someone without any insurance to drive the vehicle?
It is my understanding from my insurance company that if I "give permission" for someone to drive my vehicle and I have full coverage then my vehicle is covered. Recommend you ask your insurance carrier this question, they will be happy to give you an answer regarding your policy.
Who pays the medical bill if you are involved in an accident where the at fault party is uninsured and you don't have uninsured motorist coverage but you do have medical insurance?
This is a great question. My husband was hit by a car while on his motorcycle last June. He DID NOT have uninsured motorist on his bike and the woman had no insurance at all, so unfortunately we could not go after her for any money. He was in the hospital for one month, 8 surgeries and is still unab…le to walk like he used to and may never be able to. He lives in constant pain and because we did not have uninsured motorist coverage on the bike, we are at a loss. However, I am attempting to use my auto insurance to try to recoup some money. My husband's health insur. paid the hospital bill of over $300.000.00, but now has a lien on my home for the remaining balance of $165,000.00. My attorney is in negotiations to get that waived. We did recoup $25,000.00 from the owner of the car she was driving's insurance, but Blue Cross is taking that, we do not get a penney. My attorney never advised me to use my medical coverage of my insurance, so I don't know if that could help or not. Maybe I'll try that route too!!. Hope I've been of some help.. Check your auto insurance policy to see if you have medical payments that will pay your medical expense up to $ amount. If you do, then your insurance company will pay up to the $ amount. Or, if you do not have auto medical insurance, have your regular medical insurance pay.. Answer . The person at fault needs to pay your bill. You need to take him to court and have his wages garnished for your bills. If that is not a possibility for you, then your medical insurance should cover it. Answer Also, check with your insurance agent regarding the extra medical coverage you may have purchased along with your auto insurance policy. Most have some. (MORE)
Answer . UM (uninsured motorist) coverage is not required in all states that require liability coverage. However, UM is an important coverage in auto insurance because it steps in and pays for your bodily injury (medical expense, lost wages, and pain & suffering) when you are injured by a hit-and…-run, uninsured driver, or irresponsible driver who carries low liability coverage on their auto insurance.. In another word, UM is a coverage for you and people in your car guarding against the risk of irresponsiblly insured drivers - and there are a lot of them out there. (MORE)
If you were hit by an uninsured motorcyclist and didn't have comprehensive coverage at the time is there anything you can do to recoup payment from that motorist?
Accident Options . Your only other option is to file a lawsuit. Hopefully you called the police and the motorcycle rider was either arrested or cited for operating a motor vehicle without insurance. To an extent that's all the police can really do and that is to cite the driver and the DMV will l…ater issue a license suspension for at least one year. So in essence your only other option is to sue the rider, and have the court order them to pay you money. Given that, a lawsuit does not guarantee payment. This is because the person is unemployed, has already too much outstanding debt to pay another one, they are homeless, they work a low paying job so the payments would be very small, or they may simply leave the state, change their name and social secutiry number, and start anew elsewhere. Your other recommended option is to consult a lawyer for legal advice. When the lawsuit does finally happen, hopefully you took photos of the accident scene and that combined with the police report is a probable win for the case.. Did you have Collision coverage That is what would cover your damages in this case. (MORE)
Uninsured motorist Uninsured Motorist coverage (which is required coverage in many states) covers injuries that the driver and occupants of a car sustain when the at-fault vehicle was not insured for liability coverage. UM does not cover the physical damage to the vehicle. UMPD (uninsured motori…st property damage), where available, covers that physical damage. UMPD is essentially similar to collision coverage, which is first party insurance that pays regardless of fault, subject to a deductible. Uninsured motorist coverage pays essentially the same type of benefits (such as for pain and suffering) as the liability insurance of the other party would pay if the at-fault party had liability insurance. Additionally, the uninsured motorist insurer will generally evaluate a claimant's injuries in much the same way as a liability insurer would, and the claimant is subject to a reduction in damages for contributory or comparative negligence according to the law of the jurisdiction. (MORE)
Answer . I'm not 100% sure about Florida specifically, but in most states Uninsured Motorist is a required coveage. Maybe you are thinking about some other coverage? Like Uninsured Motorist Property Damage ? Contact the FL dept of insurance and they can tell you the required coverages and limit…s. (MORE)
If you have uninsured motorists coverage your insurance company will pay for your damages up front then handle the whole thing for you. Under UM coverage they also pay for the cost of all legal fees involved with getting a judgement and in collecting from the person at fault. If you have no UM cover…age then the entire affair is up to you and you will bear all costs involved. It may take many years to handle the process and the cost may exceed the benefit depending on the entire accident. (MORE)
UMPD . Uninsured motorist property damage, or "UMPD", is basically a form of auto insurance that's one step above liability. Basically when you drive a car and only have liability, your insurance will only cover other vehicles in case of accident, as someone's else's liability or other insurance …would cover you if you happen to have gotten hit. Now, if you were to get hit but that person lacked insurance and you only had liability, your only other option to recover any money would be to file a lawsuit. However, lawsuits are simply court orders to pay money and aren't necessarily guaranteed. UMPD would cover your car in case someone happened to hit you and they happened to lack insurance. (MORE)
This really depends on the state and level of bodily injury/property damage.. The driver could go to jail and/or have their license suspended for one year or even revoked if past violations are present.. The driver could be sued and possibly be responsible for ALL DAMAGES out of their own pocket, …which could very easily total in the thousands.. The driver probably will be fined, a lot. Not too mention a lot of other not so nice things that may happen. (MORE)
Uninsured motorist property damage coverage is usually not requiredand sometimes is not offered at all in a particular state. If it isoffered in your state you should consider purchasing it. Oneaccident with an uninsured driver can leave you with significantbills to cover your property damage.
They always say you never need insurance until you have not got it! Insurance covers your risks, each person develops their own view regarding what risks are acceptable and what risks need doing something about. It is up to you to decide if you need uninsured driver cover. But if you decide not t…o take it and get hit by an uninsured driver, the only person to moan at (apart form the criminal uninsured driver) is yourself!. (MORE)
An uninsured motorist endorsement is an added insurance policy formotorists. It covers injuries that have resulted from a collisionby an uninsured driver.
In a collision an uninsured motorist was at fault who pays for the damage insurance or uninsured motorist?
The insurance will pay for your damage if you have insurance fromunderinsured motorists. Otherwise, the motorist will pay for it whodoesn't have insurance if they have any money.
Do you have to pay the deductible when your car is damaged by a hit and run driver if you don't have uninsured motorist coverage?
If you do not have an uninsured motorist property damage coverage, your collision might be used to pay for the repairs to your car, in which case your collision coverage deductible will be used.
Unfortunately, yes. Although the laws require every motorist to have adequate insurance coverage in order to register their vehicles, some will do just that and once they receive their current vehicle license, drop the insurance simply because they cannot afford it and eat, too. You should also g…et "under-insured" motorist coverage too ... some may have the absolute minimal insurance that simply will not cover enough of the expenses that are incurred by accident victims. (MORE)
Because there are many people who are driving without insurance coverage in our nation. Far more than you realize. It is a stupid and reckless crime but it happens all the time. If you do not have uninsured motorist coverage you will be on your own to try and collect your damages from someone who ha…s chosen not to pay for legally required insurance. How well do you think you will do on collecting from this type of person. Plus the insurance company pays for the legal fees involved in getting judgements and collection. (MORE)
What is the benefit of having uninsured motorist coverage and medical payments on your auto insurance policy?
The benefit of having uninsured/underinsured motorist coverage is that almost 20% of us drive around with no insurance. There's also a good percentage of high risk drivers with minimum coverage running around. That's quite a pool of drivers we're up against every day. You want to be able to cover yo…ur losses if you are involved in an accident with someone like that.. As far as having medical payments--this protects you and whoever you have in your car for medical coverage. If you don't have health coverage, it's a biggie. Medical coverage also protects you if you are walking and get hit by a car. (MORE)
Uninsured Motorists Coverage . Uninsured Motorists Options on your Auto Insurance Policy Offer cover yourself and other passengers in your vehicle and comes with basically 2 options. 1 Um / BI = Uninsured Motorist Bodily Injury Coverage. 2. Um / PD - Uninsured Motorist coverage Physical Damage.… BI covers Bodily injury to the driver and passengers in your vehicle.. PD covers your Physical Damage for your Vehicle. (MORE)
It's an across the board Limit on that portion of your coverage. Instead of per occurrence and aggregate being different, they are both the same.
Uninsured motorist coverage is a type of first-party auto insurance that compensates one if he/she is injured in a collision due to the negligence of someone else who does not have bodily injury liability coverage. Essentially, it pays the same sort of damages as the at-fault party's bodily injury l…iability coverage would have paid if it existed. It only pays for compensable bodily injuries--not property damage. In many States, uninsured motorist coverage must be offered in the same amount as one's liability coverage. However, the insured usually has the right to select lower limits or reject it altogether. (MORE)
It is not a mandatory coverage. However, you have no bodily injury coverage if you are injured by an uninsured motorist.
Uninsured motorist coverage provides coverage for bodily injury, and in some states property damage incurred by an uninsured driver or a driver with insufficient liability limits.
\n. \n. I some states yes but just a few. I ma speaking on the commercial policy side. \n. Each statute addresses trailers generally clearly. Most are clear it does not apply to trailers. Some states charge a very low % charge such as 15% of the liab. prem. \n. New Mexico used to require it o…n trailers but in 2011 changed the statute where no charge is made for trailers. \n. \n. Barry Quillin CPCU (MORE)
Where is the limit of insurance company liability for uninsured motorist coverage listed in the policy?
It would be listed on your declaration page which is mailed to you at each renewal period. Listed first would be your Bodily Injury limits and under that would be your uninsured/underinsured liability if you have it.
If I'm retired with good health insurance and no wages to cover should I have uninsured motorist coverage?
Absolutely, unless you are independently wealthy and don't care ifyour vehicle is a total loss every once in a while. Uninsuredmotorist fees are very nominal compared to the alternative.
The California Collision Deductible Waiver (CDW) is coverage which waives your collision deductible if you are hit by a negligent uninsured motorist. The CDW option with a personal auto insurance policy in California pays your collision deductible when you carry collision coverage on a vehicle …that is damaged by an uninsured or hit-and-run motorist who is at fault. Coverage typically applies only when there is actual physical contact and when you can identify the uninsured driver or vehicle. Some insurance companies will not even talk about the coverage even if it is included in your policy until you bring it to their attention. (MORE)
Yes it can, although it might be subject to your deductible depending on the type of optional coverage you have. Uninsured motorist coverage is nice because it protects you from other drivers who either have no insurance or whose policy limits might be too low to cover damages to you and your vehi…cle. It is also relatively cheap compared to other optional coverages! (MORE)
If you have medical insurance, Uninsured Motorist coverage is NOT important. Your medical insurance will already pay your medical bills. The only people that recommend this coverage are lawyers, insurance agents, and insurance associations. That is because they make money off of selling it to you. T…hey will point out that this coverage also pays for lost wages and pain and suffering. That may be true, however many people have disability insurance through their employer. And do your really need insurance to protect you against pain and suffering? Do you carry insurance for pain and suffering caused by other things? (such as the death of a loved one?).. Then why would you pay for pain and suffering insurance in this case? And another thing, in order to collect anything under this coverage, you will NEED a lawyer. This is because in order to collect from your insurance, you must first sue the other driver, obtain a legal judgment against them, and then prove to the insurance company that the driver can not pay. In short, they make you jump through hoops in order to collect anything. So conclusion: this coverage is not important at all. Put the money towards medical insurance and disability insurance if you don't already have them because they are MUCH more important, and skip this coverage. Answer Reasonable minds might differ on this answer, and I adamantly beg to do so. First of all, many people do not have health or disability insurance for any number of reasons. One of the prime reasons for not having health insurance is the existence of a pre-existing which can preclude coverage, at least for a period of time. If a collision occurs in the interim and the individual is injured, they are out of luck. In contrast, there is no limitation on the availability of uninsured motorist coverage. As to disability insurance, the employers that offer it usually limit it to short-term disability coverage (such as 90-120 days); and individual disability policies are normally quite costly. Second, health insurance policies are subject to deductibles and co-payments. A deductible is the amount of expense that has to be incurred before the insurer's obligation to pay is triggered. A co-payment is that percentage of a covered expense that the insured bears responsibility for. For example, an 80/20 policy means that the insurer pays 80% of the covered expense, and the insured pays 20%. Although this general rule may differ when coverage is provided by a health maintenance organization, it is the rule with respect to more customary health insurance coverage. Likewise, a disability policy normally has an "elimination period". This is conceptually similar to a deductible, but measured in time rather than the amount of medical expense incurred. Third, and as suggested in the first answer, health insurance does not pay for lost wages or pain and suffering, which can be major elements of a claim from an auto collision. While attorneys representing injured people do get a portion of the recovery as part of a contingent fee, it is pure cynicism to suggest that as a valid reason to reject uninsured motorist coverage. If one is out of work for an extended period, living expenses continue to accrue and there must be a way to pay them. While Personal Injury Protection coverage ("no-fault" insurance) provides some benefits, those benefits are limited. Furthermore, if the injured person sustains a disablement that prevents him/her from working (at all or at the same level of earnings), uninsured motorist coverage may compensate for that loss extrapolated over the remaining life of the injured person. In sum, uninsured motorist coverage is personal risk management tool. It protects against injuries sustained by innocent (non-negligent) parties who are injured by the carelessness of persons who do not have liability coverage. It is well worth the expense. And no, I am not a personal injury lawyer. (MORE)
Uninsured motorist coverage is usually listed in ways such as 10/20, 25/50, etc. That means $10,000 per person, $20,000 max per accident. This coverage is for each vehicle on the policy. If you stack the coverage and have 2 cars, you can collect the coverage from both vehicles on your policy if you …have a claim (therefore doubling your coverage--$20,000 per person/$40,000 per accident). If you have 3 cars, you collect from all three vehicles (tripling coverage). Unstacked means separate and you only collect from the vehicle you are in at the time of the accident. Stacked coverage is more expensive, but is a great way to get additional coverage for a relatively small increase in premium. If you only have one car--you want to choose unstacked. Otherwise you pay more with no additional benefit (MORE)
Uninsured motorist coverage pays damages for bodily injuries when the at-fault driver or owner of a vehicle has no bodily injury liability coverage. It pays an amount up to the amount purchased by the insured, and is generally not a required coverage. In those states that utilize a comparative negli…gence rule of determining fault for a collision, the amount that the inured party can recover is reduced by the amount of liability attributable to him/her. In that respect, it operates similarly to the evaluation of the injury and damages if the at-fault party did have bodily injury liability coverage. Underinsured motorist coverage serves essentially the same purpose. However, it is triggered when the at-fault party's bodily injury liability coverage is less than the injured party's uninsured motorist coverage. Further, in order to be triggered, the "value" of the injury must exceed the liability coverage of the at-fault party. (MORE)
Is uninsured motorist coverage necessary for a business auto policy given that employees are covered under the workers' compensation policy?
Most of the coverage for uninsured is for pain and suffering so I would have it.
It should be, if the signature is not on file to decline coverage, it could be added.
Will your uninsured motorist coverage cover an accident from an at fault unlicensed uninsured driver?
Yes. The initial trigger for entitlement to uninsured motorist benefits is involvement and injury in a motor vehicle collision with an uninsured motorist. According to state law, there may be other requirements as well (such as the existence of a permanent injury or significant scarring), but lack o…f insurance by the adverse party is the first requirement. Note also that, again depending upon state law, if you as the injured party negligently caused or contributed to the collision, your recovery may be reduced accordingly. (MORE)
No. Liability insurance protects you from claims by third parties if an occurrence is alleged to be your fault and the third party claims compensable damages. It indemnifies you (pays damages on your behalf), and provides a defense (hires and pays an attorney at its own expense-if it wishes to conte…st liability or damages). A liability insurance policy is triggered only if the allegations made against you arise from a type of risk contemplated by the policy--for example, an auto liability policy will not apply to a trip-and-fall claim made in a store that you operate. Uninsured motorist coverage is a different coverage. It pays to you the same kind of damages, based upon an assessment of relative fault and seriousness of damages, that the at-fault party's liability insurance would have paid if that person had liability insurance. It generally applies to only bodily injury damages-not property damage. A useful paradigm by which to think about it is that liability coverage is "third-party" coverage (pays to injured third parties based upon your fault), whereas uninsured motorist coverage is "first party" coverage which you maintain as a source of compensation for yourself if the at-fault has no bodily injury liability coverage. (MORE)
The only states that I have found that make it mandatory for the insurer to provide this coverage are Pennsylvania, Illinois, Maryland and New York. That list may be incomplete and the minimum coverage amounts aren't shown for those states. Regardless of whether your state requires it or not, I c…an't emphasize how important this coveage is and why EVERY driver should have it! Current figures show that as many as 18% of all U.S. drivers are uninsured! Up to another 40% only carry the minimum liability limits required in their state. Using Tennessee as an example, they require 25/50/10 minimum limits. That means Bodily Injury Liability of $25k per person up to a maximum of $50k per accident and Property Damage of $10k per accident. A driver with these limits runs a red light and t-bones you in an intersection at 40mph or so. You are driving and have a passenger in the front seat and another passenger sitting in the back seat on the passenger side. The side-impact occurs on the passenger side and both of your passengers sustatin extensive injuries and they are quickly air-lifted to the nearest spinal center. You are treated for a broken arm, cuts, bruises, flying glass and burns from the side and frontal airbags as they deployed. You are taken the local E/R for treatment. Your brand new $42k Volvo S60 is total loss. Both of your passengers will require extensive treatment, rehabilitaiton and will be unable to work for several months. That is after they they undergo surgery to remove the damaged discs in their cervical spine. Total cost for their injuries- $220k, at the low end. Your own injuries will cost over $30k, so Bodily Injury expenses are now at $250k or more. Your car is scrap metal but a loan balance of $42k is still has to be paid off. The other driver's insurer will pay $50k for BI and $10k PD, so you need $200k more to cover medical bills and $32k more to pay off the loan to the bank! Six out of 10 drivers could put your into this situation! I live in Georgia and the state requires the same 25/50 BI as TN but increases the Property Damage to $25k. You would still be in a very bad situation financially and legally in this state. Some states have even lower limits than these. Thank goodness you can purchase coverage called Uninsured Motorist and Underiunsured Motorist! Some states separate them and you must select UM and UIM Bodily Injury AND UM and UIM Property Damage to be properly covered. As the names would imply, Uninsured Motorist pays if a driver hits you with NO coverage. Underinsured coverage kicks in when they DO have state minimum or greater liability coverage but the damage exceeds their maximum limits. Most states, Georgia included, make it simpler and sell UM/UIM as combined coverage. Personally, I carry 500/500/100 in Liability and 250/500/50 in UM/UIM. My annual premium for the UM/UIM is $37.69 (for 250/500/50)- less $ than a tank of gas for $500k of protection for me and my passengers. (MORE)
If you have uninsured motorist coverage on your own insurance policy, your insurance will assist you. Often, your insurance will pay your damages and then it will file a civil suit against the other driver to get reimbursed. Also, you can sue the driver individually for the damage. However, many pe…ople who are uninsured are in that position because they can't afford insurance, and therefore you may get a judgment that the defendant cannot or will not ever pay. (MORE)
When you buy a car, you have 30 days to get it insured before it becomes illegal, but you are completely financially responsible for any damage done until you are insured.
No. Uninsured motorist coverage protects the owner of the vehicle which is damaged due to the actions of an uninsured driver of another vehicle (or damage caused by a hit-and-run driver). I think what you are asking is known as a 'permissive' driver - someone who was driving another person's vehicle… with the owner's permission, but who is not actually named on the policy. The answer to this is 'probably' depending on the insurance company and the provisions of the policy itself, but if provided for would cover them like they were a named insured on the policy. (MORE)
Absolutely. If someone hits you without insurance this coverage will pay to fix your vehicle with a small deductible. The company will then pursue the at fault party until all the losses are recovered and then send you back your deductible. Usually they have to collect payments for years to collect …all the damages. If you don't have UMPD coverage you will have to do that yourself. UM is well worth the premium. As a matter of full disclosure, I own and operate a small Independent Insurance Agency and have for the part 22 years. Before that I worked as an agent for a direct writer insurance company. (MORE)
Uninsured Motorist coverage pays for your losses if the other party was at fault and had no insurance. It is subject to the limits you chose and they are listed on your declarations page. As for Comprehensive, it is easier to define collision first. Collision is if you hit something or turn the vehi…cle over. Comprehensive is just about everything else. It includes fire, theft, vandalism, broken glass, animal collisions, etc. Comprehensive is not counted against your insurance record as a chargeable accident. Insurance laws vary from state to state so this is a general description and some minor issues may be different in your state. For full disclosure, I own and operate a small Independent Insurance Agency in Gordon, Georgia and have for 22 years. I also worked as an agent for a direct writer for 3 years before that. (MORE)
This is actually "Uninsured motorist property damage coverage" Or Waiver It is the portion of your insurance that covers you if the other motorist has no coverage. If it is a waiver you have to initial it means you have declined this coverage. This is one of many ways the cheapo insurance companies …lower your rates. (MORE)
If you have uninsured motorist coverage let your insurance companysettle with you then recover from the motorist in court. If you don't you will have to take the motorist to court yourself. Your insurance company is far better equipped for this than youare.
No. You coverages that apply is what you had at the date and time of loss.
The other party if they do not have insurance. Each state is a little differant but the same. Check your policy, most have an explanation for each item. Hope this helps.
It would be listed on the declarations page, usually after either the section for liability coverage or the section for medical coverage.
I believe the correct answer for the UIM insurance is optional in most states and not a requirement. this is to cover damages to vehichle and person in the incident of a collision which is not ruled as your fault, when the other driver is at fualt. As for good advice it should be carried on all your… policies to protect you from having claims against your normal insurance coverage in such cases where you are not at fault. In the state of Florida it might be a requiem since there are a large number of unisured motorist in existance there. (MORE)
"Stacked" refers to uninsured motorist coverage, not to liability or physical damage coverage. In essence, if there are two cars in a household, both with insured motorist coverage, the uninsured motorist limits of the cars can be "stacked"--added together. Naturally, this will only make a differenc…e if the severity of the injury and the clarity of the liability is such as to warrant that size of a payment to the insured. Keep in mind that the assessment of damages by an insurer in an uninsured motorist claim is similar to that done by a liability insurer in a third-party claim. Note also that some states have "anti-stacking" statutes which prohibit the stacking of ininsured motorist limits. (MORE)