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Contact the insurance company that covered you at that time to get copies of your policy for that particular incident.

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โˆ™ 2005-10-21 03:41:38
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Q: How could you prove you had bodily injury insurance on a particular date over 3 years ago?
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What is the difference between a Bodily Injury claim and a Liability claim?

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.


Are insurance points involved in seat belt violations?

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 auto insurance?

"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.


Where would one go to process an auto accident personal injury insurance claim?

One would or could go to various places. These places include the DMV, or the auto insurance company which distributes their auto insurance to claim an auto accident personal injury insurance claim.


What are your rights if you are hit by a drunk driver while sitting at a stop light?

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.


Will adjudicated assult with bodily injury be classified as a felony?

Not enough info given, but yes it could be. It could depend on whether a weapon was used in the assault, and/or how serious the injuries were to the victim.


Always Carry Adequate Bodily Injury Liability Protection?

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.


What happens if there is collision with a severe injury or death?

Depending on who was at fault, and the types of insurance involved, a lawsuit could be filed. The claim could be against another driver, insurance company or even the car manufacturer.


If you only have liability insurance will it pay your hospital bill?

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.


Is robbery a larceny accompanied by force?

It's NOT, of course. But, if you add-in - putting the victim in fear of their life or severe bodily injury - I suppose that could be one way of looking at it.


Must-Have Insurance For DJ's?

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.


What are the steps to piercing your own cartilage at home?

We will not provide information that could lead to persons inflicting bodily injury upon themselves or others. See a professional body piercer.


What kind of liability insurance is required for a small used tool store?

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.


Do I need travel insurance for my trip?

You never know what could go wrong on a trip - an injury, lost luggage, etc. Travel insurance can help you relax on your vacation and not worry about these things!


If you have full coverage car insurance and you have an accident and are killed does insurance pay settlement?

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.


Is a drano bomb legal?

A "bomb" of any type is unlawful. Drano consists mainly of lye, which is a caustic substance which makes it a weapon that could cause great bodily injury or disfigurement.


Will homeowners still cover an injury in the midst of foreclosure?

If the insurance is still in force, there shouldn't be an issue. If they have given notice of cancellation, it could be difficult.


In Michigan if you report an accident to the police for insurance purposes will the at-fault driver get a ticket if there are no bodily injuries?

This all depends on the facts of loss. With more info I could be of more assistance.


Does Event insurance cover fights at sporting events?

Event insurance is used to protect athletes, coaches, directors, and volunteers of an organization from lawsuits arising from property damage to bodily injuries. A fight would be covered by event insurance only if one could prove in court that an organization was negligent.


How much will your insurance rate go up after a minor accident that was your 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.


What insurance will pay off judgments?

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?


Car Insurance Coverage by Category?

When comparing insurance before deciding which policy to purchase, drivers should consider the coverage amount in relation to the price. Car insurance has separate coverage limits for bodily injury liability and property damage that directly affect policy price. These coverage limits could be adjusted independently of each other in order for drivers to discover levels of coverage they are comfortable with at prices they can afford. Car insurance providers usually set the minimum amount of coverage available for each category at or above the minimum amount required for drivers to be in compliance with state laws.


Your cat has a club tail why?

It could be from genetics or an injury. If its from an injury it could have happened when the cat was a kitten.


What is the definition of auto insurance?

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.


What Are The Laws For Tennessee Car Insurance?

Many people are not aware that car insurance laws vary from state to state. What's considered acceptable in New York or California may not be in Alabama or Arizona. Every state maintains legal requirements for car insurance, and it is important for you to be aware of what those legal distinctions may be in the state where you live. If you have recently relocated to Tennessee and are a vehicle owner, you should be aware of what the legal requirements are. Here is a brief overview of the laws for Tennessee car insurance. The state of Tennessee only requires vehicle owners to have a liability policy. Liability insurance comes in two forms: bodily injury and property damage. Obviously, the bodily injury aspect covers any injuries you may cause in the event of an accident. The property damage refers to any destruction you may cause, not just to another driver's vehicle but any form of physical property (i.e. if you ran into a fence, the insurance would cover those damages). Within these forms of insurance there are minimum levels of liability. For bodily injury the plan must include $25,000 for medical expenses for a single driver and $50,000 for combined medical expenses of all persons in the vehicle. There is a $15,000 minimum limit in property damage liability as well. Any expenses exceeding the cost of your coverage must be paid out of pocket. If you cannot afford this cost it could result in property liquidation or deducted from future earnings. However, there are no laws requiring collision and comprehensive insurance. While bodily injury and property damage insurance cover the cost of others' misfortunes, collision and comprehensive insurance help cover you. Without collision insurance, you will be required to pay for all repairs needed by your car. Collision insurance will help to cover these costs (up to the Kelley Blue Book value of the vehicle). Another form of insurance which is not required but may be beneficial is uninsured car insurance. This type of coverage helps protect you if you end up in an accident against an uninsured driver. It will cover both medical and repair costs. This can also aid victims of a hit and run case. Owning car insurance protects you and other drivers from any accident which may occur on the roadways, whether they are your fault or if you are the victim. These are some basic laws involved with owning Tennessee car insurance. For information of greater depth, contact the Tennessee Department of Commerce.