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How do you find out the at fault driver's per person bodily injury liability insurance coverage limits?
Wiki User
∙ 10y ago
The insurer is only responsible to pay up to the policy limits for a covered loss.
If your accepted claim is below the policy limits then you will receive full compensation, in this case the policy limits is a moot issue since your loss was fully covered.
If your accepted claim exceeds the insureds policy limits, then the amount of the check, would presumably reflect the policy limits.
Or you could just ask the claims adjuster.
Answer
Hire an attorney
Wiki User
∙ 10y ago
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What coverage is provided when purchasing standard car insurance?
Coverage that is provided when purchasing standard car insurance are liability coverage and the legal right to drive. There are two liability coverages: bodily injury and property damage liability.
What insurance coverage includes bodily injury and property damage coverage?
Liability coverage inscludes these parts as well as uninsured motorists.
A Consumer's Guide to Understanding Missouri's Auto Insurance Requirements?
Missouri's auto insurance laws require drivers to carry a certain amount of causality liability and bodily injury coverage. This coverage must include bodily injury liability coverage and property damage liability coverage. Missouri's auto insurance laws also allow auto insurance providers to offer drivers other types of auto insurance coverage that provide a variety of benefits to drivers that go beyond the basic coverage limits.Here is a quick consumer's guide that can help residents understand Missouri's auto insurance requirements. Let's start off by examining Missouri's bodily injury coverage.Drivers in Missouri must purchase a certain amount of bodily injury coverage.For example, drivers in Missouri must purchase at least $50,000 of accident liability coverage. At least $25,000 of this coverage must be set aside for injuries sustained by one person who is injured in an auto accident.Moreover, drivers in Missouri must purchase at least $50,000 of supplementary bodily injury coverage that covers the risks of sharing the road with uninsured drivers. At least $25,000 of this coverage must also be set aside for injuries sustained by one person who is injured in an auto accident.Missouri drivers must also purchase property damage liability coverage.This coverage must include at least $10,000 of coverage that covers replacement costs for property that is damaged in an auto accident. This provision was included to address concerns drivers had about the inability of drivers to recover adequate damages for property that was damaged in auto accidents.Auto insurance underwriters in Missouri also offer optional auto insurance policies.For example, auto insurance underwriters provide optional collision casualty coverage that pays for vehicle damages sustained in auto collisions. These policies are usually offered as a supplement to bodily injury coverage to provide drivers in Missouri coverage that fills in gaps in property damage liability coverage.Moreover, auto insurance underwriters also provide optional comprehensive policies that pay for lost wages, medical expenses and theft. This coverage is usually offered in conjunction with required liability coverage plans to cover gaps in bodily injury coverage.As you can see, Missouri's auto insurance requirements are straightforward.However, the Missouri Department of Revenue has further details that can help drivers find further information that can help them choose an auto insurance policy wisely. As a result, be sure to log on to the Missouri Department of Revenue's website located at http://dor.mo.gov/online.php for more details.
Which of these protects a person who is at fault in an accident against lawsuit?
bodily injury liability coverage
Do you have to purchase full coverage auto insurance in Illinois if your vehicle is paid for?
You do not have to purchase full coverage auto insurance in Illinois if your vehicle is paid for. You do still need Bodily Injury Liability, Property Damage Liability, and Uninsured Motorist coverage.
Can you collect bodily liability on your own car insurance?
No. Liability insurance is, by its nature, third-party insurance. That means that proceeds are paid to the person(s) that are hurt as a result of your negligence. It does, however, indemnify you for your carelessness up to the amount of coverage that you purchased. If sued for the collision by someone claiming bodily injury, the insurer will also provide a defense attorney. Somewhat analogous to bodily injury coverage is uninsured motorist coverage. It is a form of first party coverage, meaning that you buy it for yourself. If you are hurt by the negligence of another driver, and that person does not have bodily injury liability insurance, you may have a claim for damages under your uninsured motorist coverage.
In the state of Washington what levels of insurance liability do you have to have?
Every state sets the legal minimums for auto insurance. As of May 2013, in Washington State, you must be covered for: - $25,000 of Bodily Injury Liability Coverage per Person - $50,000 of Bodily Injury Coverage per Accident - $10,000 of Property Damage Liability Coverage - $5000 of Uninsured Motorist Coverage See the related link for more information.
A Brief Consumer's Guide to Understanding Pennsylvania's Auto Insurance Requirements?
Pennsylvania requires drivers to carry a certain amount of auto insurance coverage. This coverage must include bodily injury liability coverage, property damage liability coverage and medical liability coverage. Moreover, Pennsylvania auto insurance laws also require drivers to choose between coverage plans that offer different legal options to drivers who wish to sue for accident-related damages.Here is a quick overview of these Pennsylvania's auto insurance requirements that can help drivers understand these requirements in detail.Drivers in Pennsylvania must purchase adequate bodily injury liability coverage.Pennsylvania drivers must purchase bodily injury liability coverage that provides at least $15,000 of bodily injury coverage for one person who is injured in an accident. Drivers in Pennsylvania must also purchase at least $30,000 in bodily injury liability coverage to cover all injuries sustained in a single auto accident. This liability coverage is required because it pays the medical and rehabilitation expenses for each person who is injured in an accident for which a driver is found liable.Drivers must purchase property liability coverage for damage caused by reckless driving.This coverage must include at least $5,000 of liability coverage for property damage that is caused by reckless driving. Drivers in Pennsylvania may also purchase higher amounts of property liability coverage if they choose to do so.Drivers must purchase limited medical coverage to cover accident-related injuries.Drivers must purchase at least $5,000 of this medical insurance coverage to comply with state laws. However, drivers in Pennsylvania may also purchase higher amounts of coverage if they choose to do so. It is required because it provides medical care coverage for anyone who is injured in an accident.Moreover, drivers are required to choose between "limited tort" and "full tort" coverage.Drivers are required to choose between limited tort coverage and full tort coverage. This requirement allows drivers to choose between lower priced limited tort coverage that offers fewer claims options and higher priced full tort coverage that offers more claims options. This requirement was established to provide drivers in Pennsylvania a greater selection of auto insurance options.For more details, please call the Pennsylvania Department of Transportation.Drivers in Pennsylvania who have questions about local auto insurance requirements may contact the Pennsylvania Department of Transportation at 1-800-932-4600. Out-of-state consumers may call 1-717-412-5300 to inquire about insurance requirements for people who move to Pennsylvania during the year.
A Guide to Understanding Utah's Auto Insurance Requirements?
Utah residents who don't carry enough auto insurance face stiff fines and possible jail time. As a result, most Utah residents have questions about how much auto insurance they should carry before they drive a motor vehicle.Here is a quick guide that can help you understand Utah's auto insurance requirements. The guide provides details about Utah's liability, injury and property damage coverage requirements that can help drivers finding adequate auto insurance in Utah. As a result, please use this guide as an aid while searching for adequate auto insurance coverage in Utah.Utah's auto insurance laws require drivers to purchase bodily injury coverage.For example, drivers must purchase at least $25,000 of bodily injury liability coverage per each injured person that is injured in an auto accident. Moreover, drivers must also purchase at least $50,000 of bodily injury liability coverage to cover potential accident-related damages. Utah laws require drivers to purchase this coverage because Utah's auto insurance laws feature a "No-Fault" clause that allows drivers to recover damages sustained in an auto accident without having to prove who was at fault for the accident.Utah's auto insurance laws also require drivers to purchase property liability coverage.This coverage must include at least $15,000 of property damage liability coverage to cover potential accident-related property damage. This requirement was installed to provide coverage for accident-related property damage that is not covered by Utah's bodily injury liability insurance coverage requirements.Utah's auto insurance laws allow drivers to purchase supplemental auto insurance coverage.For example, drivers may purchase supplemental plans that cover personal injuries that are not covered by a third-party bodily injury liability policy. Moreover, drivers may also purchase supplemental coverage that protects them from the risks that are associated with driving near uninsured motorists. Utah drivers may also purchase a comprehensive auto insurance policy that exceeds state requirements for casualty and property damage coverage.For more details and information, please contact Utah's Insurance Department.The Utah Insurance Department may be reached during normal business hours at (801)-538-3800 or toll-free anywhere in Utah at (800)-439-3805.
What are some of the limit for car insurance in Georgia?
Everyone must have liability coverage of at least twenty five thousand dollars. Collision coverage is optional. You have to have bodily coverage as well.
How do you describe liability automobile insurance coverage?
Liability coverage is to pay for the other party's damage in an accident that is your fault. It is divided into two parts, bodily injury and property damage. You have a choice of selecting what amount of coverage you wish to purchase.
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.
