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How is one protected under car owners insurance when one drives and is in an accident with a party that does not have insurance?
You need to have uninsured motorist insurance as a rider on your insurance. If not you will have to sue the uninsured driver.
Do you need full coverage insurance on a financed motorcycle in las Vegas?
yuo. financed motorcycle always need full coverage . i bought my gsxr finanaced and had to get full coverage . The dealer ship requires u to get it -_-
What is the minimum insurance coverage for a motorcycle in new york?
Well you can get just liability and that's all you need ...
Do you need insurance for your Suzuki motorbike?
You always need insurance when driving any sort of motor vehicle. Even if it is a motorcycle, there are insurance companies that have coverage for it.
What personal auto coverage would a person need if she does not own a vehicle?
If she does not own a vehicle nor drive one then she would not really need coverage. If she drove someone else's vehicle then the owner would have to have coverage with the driver listed on the policy as a driver along with any others who may drive the vehicle. If she rents a vehicle when she needs one then she would just need to purchase the physical damage deductible waiver coverage that you can purchase from the rental car company. There is also a non-owner policy that is normally purchased really just to make the DMV happy and to keep your drivers license in compliance. The non-owner policy is a liability policy that can also have uninsured motorist coverage added to it. You cannot have physical damage coverage on a non-owner policy. Sometimes people think this type of policy will cover any vehicle that they drive so if they damage a friend car it will cover it. That is not what it is for.
Can you carry motorcycle insurance for only half the year?
Yes, I would just purchase a 6 month policy if you only need a half years coverage.
Can you sue your insurance co for an accident where you were at fault but you were injured in that same accident and need medical attention will your co pay under your liability or is it on you?
Let's break down the question: 1. If the other party did not have liability insurance, but you had unsured motorist coverage, in theory you could make a claim against your own insurer. 2. The factors that your insurer would consider in evaluating the uninsured motorist claim include fault for the collision and the nature and severity of your injuries. These are the same factors that the other party's insurer would consider if he/she had liability coverage. 3. Most, if not all states require the registrant of a motor vehicle to have, at a minimum, :no fault coverage". This pays for a portion of your medical expenses and a potion of your lost wages if you are involved in a collision. Fault for the collision is irrelevant, hence the name. 4. There is no "co-pay" under auto liability coverage. The closest thing to it is that in some commercial liability policies, there may be a self-insured retention. This is the amount that the insured has to pay toward the other part's damages before the liability coverage is triggered.
What should you do if the person that hit you didn't have insurance?
The first thing to do is contact the police and get a police report. Because the person that hit you has no insurance, you need to report the accident to your insurance company. Your policy should have uninsured coverage and that coverage would cover you for medical and liability if you are injured. You would need to go under your policy to have your car fixed and pay your deductible. Your insurance company will then litigate for all moneys spent and try to recover from the uninsured party. They will also try to recover your deductible. Each state is different and you will need to discuss with your insurance agent.
If the person at fault does not have insurance at the time of the accident what are the steps that are taken in regard to fixing the damaged vehicle?
First of all, it is important to know what state you are in, because some states will offer BOTH Collision coverage AND Uninsured Motorist coverages, but in some states, you are not able to carry BOTH. For instance, in Texas, you can carry both, in Ohio and many other states, you must carry one or the other. If it is a certainty that the at fault driver does not have ANY insurance available to them, you will need to turn to your own coverage. If you carry UM coverages (uninsured motorist property damage/UMPD), and your carrier confirms there is no coverage on the at fault vehicle OR driver, the UMPD coverage steps in and 'acts as' the other party's Property Damage coverage. You will pay the first $200-300 of the claim (typically, $250, but varies by state. THIS IS NOT A DEDUCTIBLE. The reason it is important to note that is, a deductible (used in collision coverage) allows you to choose the AMOUNT; your premiums will be affected by the amount of your deductible. That option is NOT available under UM coverages. If you or any passengers are injured, you can also avail yourself of any UMBI coverages. Again, this steps in and handles all injury claims that may arise in YOUR vehicle, resulting from this accident. If you do NOT have UM coverages, but have collision coverage, you can use that coverage. YOUR insurance carrier will attempt to recover any monies paid out and will reimburse you any deductibles that you incurred. If you do not have EITHER of these coverages (and you SHOULD always carry one or the other or both), you can try to recover any monies YOU personally pay out in direct relation to this accident in small claims court.
How old does a car need to be to not require full coverage in New Jersey?
Let start assuming by full coverage you mean Comprehensive and Collision coverage is included on the policy. Comprehensive and Collision coverage is always optional no matter how old or new the car may be if you have the title to the car. If you don't have title, meaning it is financed or leased, then your lender most likely will require that you keep Comprehensive and Collision coverage. The decision to have or not have Comphrensive or Collision is a personal one that needs to be based on the value of the car and how much you will have to pay for the Comp and Coll premiums. You also have the choice of just deleting Coll. but keep the Comp. By doing this you would reduce your premiums but still keep coverage for damage covered by Comp. Also consider adding Uninsured Motorist Property Damage if you drop the Coll. By doing this you think that because you are a good driver and unlikely to be the cause of the accident you retain coverage for things that are out of your control and save money at the same time.
What happens when your medical charges exceed Max of insurance 100000 plus medical?
there are 'policy limits' and the insurance company cannot pay past these limits, need more info to be of more assistance, is this an uninsured motorist claim, or a bodily injury claim, (liablity under negli.drivers policy)?
Do you need a motorcycle licsense to test drive a motorcycle in Georgia?
if you need a license to ride a motorcycle in Georgia then you will need one to test drive one.
