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Can you expect to receive the max limit allowed under the uninsured motorist portion of your auto policy following a rear-end collision with injury in addition to medical payments and property damage?
Wiki User
∙ 12y ago
Maximum limit has no actual definition - it is simply a cap placed on the policy in the event of such.
Dependant upon your injuries, there may be monetary award for pain and suffering, aside from necessary benefits. As for medical payments there is coverage in effect regardless of fault. If the accident is proven not At Fault, in your favor, the property damage coverage shall apply to indemnify you. You're vehicle shall be repaired or replaced at actual cash value.
Wiki User
∙ 12y ago
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What is an uninsured motorist endorsement?
An uninsured motorist endorsement is an added insurance policy for motorists. It covers injuries that have resulted from a collision by 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 from underinsured motorists. Otherwise, the motorist will pay for it who doesn'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.
If someone dented your car in a parking lot then left would your uninsured motorist insurance cover the damages?
no, uninsured motorist coverage is for injuries only when an uninsured motorist hurts the occupants of a vehicle......there is a coverage called uninsured motorist property damage, (most people do not have this and are even unaware that it is available, and is not available in all state) if you have that or collision coverage those will cover the damage to your vehicle ........
What does waiver of collision deductible coverage in California for uninsured motorists coverage?
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.
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 of 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.
Who is considered an uninsured motorist?
Anyone without valid auto insurance that is driving is an uninsured motorist.
If you rear-ended someone and you dont have collision will your insurance company still pay for the damage of your car?
No your vehicle is not covered. That is why it is always recommended that you carry comp and collision and uninsured motorist.
Is uninsured motorist property damage necessary if I have comprehensive and collision coverage?
Uninsured motorist property damage coverage is usually not required and sometimes is not offered at all in a particular state. If it is offered in your state you should consider purchasing it. One accident with an uninsured driver can leave you with significant bills to cover your property damage.
What to do when a new leasing car was totaled by a uninsured motorist?
file a collision claim with your insurance company once all is settled they will go after (subrogate) the uninsured (assuming they are at fault) party to recoup theirs and your money.....
Is it necessary to carry uninsured motorist coverage in Arizona?
It is not a mandatory coverage. However, you have no bodily injury coverage if you are injured by an uninsured motorist.
If someone hit your car and didnt have insurance is it covered by uninsured motorist?
Yes as long as your policy has uninsured motorist coverage on your policy.
