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How can you find out if an insurance company for a trucking company carries uninsured motorist insurance for its drivers if that company does not want you to know?
Wiki User
∙ 10y ago
If you really need to know your lawyer should be able to get that info for his lawsuit. A lawsuit is really the only time you would need to know this because:
The trucking company carries Workmans Comp-insurance on drivers by law or you would be covered for injury under another policy if you were in a collision with another vehicle.
The un-insured motorist coverage is to cover all aspects of a collision caused by another person.
Wiki User
∙ 10y ago
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How do you find out if an insurance company carries uninsured motorist insurance for company commercial drivers if that company is procrastinating about telling the driver the truth?
Well, you say 'procrastinating,' but your question is not really answerable, and, coming from an employee, impertinent. Regardless of whether the company driver is actually driving for an insurance company--doubtful--or not, they have 'comprehensive' commercial insurance; 'uninsured motorist' insurance is just a way to rephrase 'comprehensive' insurance for those who might not grasp the term.
Does Liability insurance cover your medical or the person with you in the accident?
Liability covers the other person that you damage. Uninsured and under-insured motorist coverage carries those in your vehicle. Medical payments coverage covers everyone involved regardless of fault.
Why is uninsured motorist coverage required in states that require liability coverage?
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.
Is it necessary to carry uninsured motorist coverage in a no-fault state such as Florida?
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.
Can insured person drive an uninsured car?
We need to know what he's insured for. If he's insured to drive the car, then yes. If he's insured with life insurance, then no. But normally it's the car that carries the insurance.
Add Uninsured Motorist Protection To A Texas Auto Policy?
Texas drivers may wish to consider carrying uninsured motorist protection in addition to the required liability car insurance. Often abbreviated as UM, uninsured motorist protection covers the costs of property damage and bodily injuries sustained by an innocent party when caused by a driver not carrying his or her own liability policy. It is estimated that nearly one-fifth of all cars on Texas roadways are being driven by individuals not covered by a liability policy.Adding Uninsured Motorist Protection To The PolicyTexas drivers will be asked by their insurance agent if they wish to add this protection. Most insurance companies will offer several different levels of UM. Most commonly the suggested amount will be equal to the coverage limits on the liability policy written. This means that in the event of an auto accident where the at-fault driver carries no liability insurance, insured victims will be covered for property damage and personal injury costs equal to their own liability coverage amount. It is important to ask specific questions about these amounts when considering UM coverage. The cost of this coverage may also depend on the amount of liability protection being purchased.Combining UM With Personal Injury ProtectionPersonal injury protection is also optional in the state of Texas. This coverage guarantees medical bills will be paid when injuries are sustained in an auto accident. The coverage is paid regardless of who is at fault in an accident. Uninsured motorist protection may not be paid until some time after the accident occurs, meaning the innocent party may have to make an initial down payment for medical treatment. He or she may have to rely on health insurance if treatment is required immediately. Personal injury protection gives individuals peace of mind because the medical expenses are taken care of immediately. Combining PIP with uninsured motorist protection usually results in a discounted monthly price.Shop Online And SaveInsurance companies licensed to operate in the state of Texas will usually partner with an online affiliate comparison site. These sites offer multiple quotes on every type of insurance package including those with uninsured motorist protection as part of the policy. Shoppers will have the opportunity to choose from various amounts of UM as well as PIP. Quite often the monthly premiums for a full protection package are surprisingly low when both UM and PIP are included.Those who shop online for car insurance will want to investigate the prices for higher amounts of liability coverage when UM is added. Obtaining twice the state minimum required amount of liability insurance will not cost much more if UM and PIP are included.
If you were forced into a concrete stairway and the driver of the other car took off can you get your truck fixed through your insurance?
Only if the car carries collision coverage or the residing state offers uninsured motorists coverage for property damage. (some states don't). Also, with a hit and run, depending on which state your in, will depend on whether or not uninsured motorists for property damage will apply with hit & run.
Add PIP Coverage To A Texas Auto Insurance Policy?
Drivers in Texas are required to carry liability insurance protection. Personal injury protection or PIP is not mandated by state law but provides an additional layer of protection when an accident involves injuries. Many Texas drivers carry this insurance so that any medical expenses will be covered regardless of who causes an accident. Personal injury protection is usually offered along with uninsured motorist insurance and the customer has the option of rejecting this coverage.Why Personal Injury Protection Is importantThis insurance can speed up the process for paying medical expenses after a motor vehicle accident occurs involving bodily injury. Insurance companies may not make a final determination regarding fault until some time after the accident occurs. This means the at-fault party's insurance company may not pay for injuries to innocent victims when the medical treatment is needed most.If a driver carries PIP and is involved in an accident the coverage can be paid almost immediately. This eliminates the need for health or medical insurance to be used when emergency treatment is required. Personal injury protection premiums cannot be increased merely because a claim is filed.Other Advantages Of PIPTexas vehicle owners can purchase an inexpensive PIP coverage plan that pays as little as $5,000 in the event of an accident involving bodily injury. This coverage will add very little to the cost of a full insurance coverage package already in force. More expensive plans also cover passengers riding in the car operated by the policyholder. Family members driving a car owned by an individual carrying PIP may also be covered. In some cases PIP also covers medical expenses for a child injured while riding on a school bus. Insurance shoppers will need to ask their insurance provider about the costs of these plans. Prices vary according to the protection level chosen and the amount of insurance already in force.Combining PIP With Uninsured Motorist ProtectionUninsured motorist insurance is also optional in Texas. Many insurance providers will give a good discount if both UM and PIP are purchased in addition to liability and full collision insurance. This is where an online comparison site comes in handy. Many of these sites offer insurance shoppers the ability to input specific data about what coverage amounts are desired. Multiple quotes from different companies will be displayed. Even if a vehicle owner decides to switch insurance providers, PIP and uninsured motorist protection will likely be offered at a discount if the customer has a good driving record and has filed few or no claims over the years.
What happens in the UK if you and your friend get caught riding each others 50cc's on the road?
If your insurance covered it, you will be fine. If you insurance did not cover it: You can be charged with driving without insurance which is typically a fixed penalty of £100 and 3 points of your licence (much more if it goes to court). You can be charged with permitting an insured driver to drive your vehicle which carries the same disposal as driving uninsured yourself. If the policeman is feeling very kind, you may just get a stern telling off.
What do you say to the other partys insurance company if you have no insurance and the accidient is your fault?
Just that, chances are the not at fault driver carries uninsured motorists coverage to protect them from these instances. But this will not make you any less liable for the damage you caused. If the not at-fault driver's insurance company pays for the damage you caused, you can expect them to sue you to recover for damages that you are liable for. If you do not have any assets and are unable to make payment, a judge can have your future wages garnished to repay the insurance company. Depending on the extent of the damages and the laws in your state you may want to consult a bankruptcy attorney.
Do most auto insurance companies have scooter insurance?
Yes, a lot of auto insurance companies also offer scooter insurance. You should check with your auto insurance company to be sure that it carries scooter insurance.
Who carries broad form insurance in Washington?
Rubens Insurance, Silverdale, WA 98383 is an agent, the insurance comes through Dairyland Auto, Viking Insurance Company of Wisconsin.
