Contact the insurance company that covered you at that time to get copies of your policy for that particular incident.
A bodily injury claim is a liablity claim. Most auto policys have three (could be many more) liability coverages; Bodily injury (pays for injuries you cause to another), Property damage (pays for damages to property of others), Uninsured motorist coverage (pays for injuries caused by an uninsured motorist). The bodily injury coverage is one coverage under the liability section of your auto policy.
Generally, they are considered 'non-moving violations", and are therefore not a part of the rate consideration. However, several violations for failure to wear a seatbelt can indicate a general disregard for that particular law, and a company could opt not to take on the risk of higher injury rates that could occur. As a side note, if you are injured in an accident where you are not wearing your seatbelt, your pay-out for bodily injury could be reduced due to contributory negligence (ie. you didn't take reasonable precautions which may have reduced the severity of your injury). They will make that argument in claims settlement.
"Full coverage" doesn't actually exist-but there are lots of auto insurance options you can choose from to help you feel well protected. When people say full coverage it usually means that they have a combination of insurance types that result in you being covered in almost every situation. This could include liability insurance, comprehensive insurance, uninsured motorist insurance, bodily injury protection and many others.
The same thing that anyone would be entitled to if hit by a sober driver: repair or total loss settlement of the vehicle; possible medical coverage if your state doesn't require you to have your own auto medical coverage; and possibly a bodily injury claim if the person sitting at the light was injured. The "drunk driver" part could come into play if, say, the bodily injury portion of the claim went to trial. A sympathetic jury or judge might say the drunk driver's condition at the time of the loss would increase the value of a bodily injury claim. Still, the drunk driver's insurance carrier would only pay the value of the bodily injury claim, which doesn't include punitive damages found against the drunk driver.
No. Liability insurance is only for injuries and damage suffered by others. So if you are injured and it's the other driver's fault, then their liability coverage will pay your medical bills. But if the other driver doesn't have liability insurance, which is illegal nearly everywhere but still pretty common, then you're in trouble. If you're at fault, then your own liability insurance does nothing. You could sue the responsible driver to get the money. Since people who don't have insurance tend not to have a lot of spare money, you will likely end up relying on your own health insurance. You could also buy Uninsured Motorist insurance for bodily injury as part of your car insurance, which pays for your health costs if you get hit by a driver without insurance. Personal Injury Protection insurance can also be bought as part of your car insurance, which pays the health bills of an insured driver, regardless of who is at fault.
Liability car insurance protects drivers against costs incurred for treatment of bodily injury or for property damage. Injuries sustained to a non-fault individual are covered by the at-fault driver's policy. Each state has its own minimum coverage requirement for bodily injury protection as well as minimum protection amounts to cover the cost of repairs to other vehicles and personal property.Definitions Of Non-FaultIf a driver causes an accident and is injured, his or her own liability policy will not cover the medical costs. Other passengers riding in the vehicle are considered victims and can file a claim with the driver's insurance company. Damage to the driver's car is not covered by liability either. If the driver carries collision insurance the claim for repairs to his or her vehicle would be taken care of by this coverage.Many insurance shoppers wonder about the limits for bodily injury liability protection. A policy can be written for the minimum amount required by state law, however this protection amount may not adequately cover medical costs for non-fault parties. Drivers must carry a certain amount of protection to cover bodily injuries suffered by a single non-fault individual, but also must carry a minimum amount to cover the costs of injuries sustained by all non-fault individuals involved in the same accident.Adequate Protection RequiredMany states have minimums of about $20,000 in bodily injury protection per accident. If several non-fault individuals suffer serious injuries caused by the insured, total medical costs could easily exceed this amount. Most insurance boards and transportation safety experts recommend carrying at least $50,000 in bodily injury liability car insurance. If the costs of medical bills is far higher than the amount of protection a driver carries, injured parties may bring a civil suit against the insured to claim the difference. This can become a costly legal affair for both parties. One means of protecting against this possibility is to obtain gap insurance or personal injury protection insurance.Shopping For The Right PolicyDrivers and vehicle owners are encouraged to learn the minimum amounts of liability insurance required by their state. When shopping online for auto insurance customers should consider purchasing liability protection exceeding the state minimum. Quite often a quote will be given that requires only a few dollars more per month in premiums when this bodily injury protection is doubled. Money can also be saved by combining liability and collision insurance with personal injury protection. This type of coverage is required in some states.
This would be general liability but you may be suprised how expensive it ends up. Used tools can result in bodily injury to the user, in which they could come back and sue you saying you sold the tool and it was unsafe. I don't think this is going to be a cheap insurance policy, probably $2,500 minimum per year no matter how big the company is.
For anyone interested in music and entertaining, becoming a DJ could be a good idea.� When running your business as a DJ, you will need to carry some insurance to protect yourself and your business. � One type of insurance that you will need to cover is liability insurance.� When you are a DJ, you will likely be in an environment at times where people are intoxicated and could accidentally trip over cords or knock down a speaker.� Since this could lead to a significant injury, you should carry a liability insurance policy that will protect you in the event that you are sued over the injury.
An unendorsed ISO Personal Auto policy should pay your "Part B-Medical Payments Coverage" Limit to an insured,which is a no-fault coverage. This is usually a low limit of 1,000 or 5,000 but can be increased. Uninsured/Underinsured coverage could pay bodily injury or funeral expenses you incur if the negligent vehicle doesn't carry insurance or doesn't have an adequate amount. Also, there are endorsements available that could indemnify after a death such as "Auto Death Indemnity", which sounds like what you are needing.
For claims involving bodily injury or property damage for which you are legally liable - standard General Liability. Understand though, the policies clearly define the terms "bodily injury" and "property damage" and limit the scope of coverage to occurences falling within those definitions. Most General Liability policies also provide some limited coverage for "contractual" liability, such as the lease of a premise and some coverage for personal/advertising injury - slander, libel, defamation of character. Judgements, in the general sense, can be awarded for a myriad of torts. Many of these circumstances are simply not insurable events. Could you provide more specific information about the type of judgement you are concerned about?
You will be cited by the police. The amount of the citation varies from state to state.If you are at fault for the accident, the other person's insurance company will come after you for reimbursement for what they paid out. If the other party is injured, they will use their Uninsured Motorist Coverage. The insurance company will seek reimbursement from you for the injuries as well.If you are not at fault, you could still file a claim against the other party's insurance. In some states however, there is a No Pay, No Play statute. This allows you to recover for your economic damages only. You could not file a claim for Bodily Injury. When you DO decide to get insurance your rates will be higher due to the accident even if you weren't at fault.
The short answer is 'depends.' The long answer is that it depends on you age, how long you've been driving, previous driving history, and insurance company. If by minor you mean under $1000 property damage and under $750 bodily injury, then you may expect a 0-25% increase in premiums. If it's over those limits, you could see a much, much higher increase which could include policy cancellation. It really depends on your situation.
Auto insurance is a kind of insurance that assumes the risk of loss for occurrences involving automobiles. In a general sense, auto liability insurance removes from the owner and/or driver of the vehicle who is at fault for a collision the financial responsibility of paying money damages to the party who is not at fault. These damages could be for property damage or for bodily injury. The extent to which the auto insurance company assumes this risk of loss is set forth in the terms and conditions of the written insurance policy, and is limited by the amount of insurance that was purchased. Collision and comprehensive auto insurance pay the owner of the vehicle for damages sustained to his/her own vehicle according to the terms of the policy. These payments are generally subject to a deductible. This is the amount of money which the insured has agreed to pay toward the damage before the responsibility of the insurance company to pay is triggered.
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