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If you have full coverage do you need UMPD coverage or will full coverage suffice if you are hit by an uninsured driver?
you dont have to have umpd coverage if you have full coverage but most of the time on full coverage it has umpd and if you dont have umpd your collision will pay for fixing your vehicle but most of the time there is a higher deductible on collision I know this because i am an insurance agent
Does umpd coverage cover loss of use?
In New Jersey it does. Unsure about other states.
What is UMPD coverage?
Underinsurer or uninsured Property damage coverage pays for damage to your vehicle if another vehicle is at fault for the accident but is uninsured or underinsured.
What can you do if you have only liability insurance and your parked car is hit by an unknown driver?
Unles your daughter has collision or UMPD coverage on her policy, there's nothing the insurance carrier can do for you. In a case like this, it really does come down to "you get what you pay for." If a premium wasn't paid to the carrier for the collision or UMPD coverage, they can't help. By not carrying collision or UMPD coverage on the car, it's assumed that your daughter understands she will be paying out-of-pocket for any damage to her car.
Can you have umpd coverage if you only carry liability insurance?
Sure. You will ahve to purchase UMBI and UMPD as they only come together but thst shouldn't be an issue. You don't have to have Comprehensive and Collision or any other coverages in order to get Uninsured Motorists coverage. I firmly recommend UM to all my clients whether or not they have any other coverages other than liability. You cannot purchase limits of uninsured motorists coverage that are higher than your liability coverages.
Would your car be covered if it is parked in your yard and is hit by an uninsured person under your full coverage?
If your "full" coverage includes Collision coverage then the answer is yes, or if you don't but do have Uninsured Motorist Property Damage coverage then the answer is also yes. I think some states have the UMPD listed seperately on the policy even if you have Collision coverage.
Does NJ provide maternity disability to people who have been turned down by their insurer?
NJ has mandated disability coverage for people who work in the state. It covers all workers, regardless of medical history.
Are there maternity benefits for a New Jersey resident working in Pennsylvania?
Sorry, but you are probably out of luck. NJ has mandated short term disability coverage, which provides a maternity leave benefit. However, the coverage is mandated for people who WORK in the state of NJ. People who LIVE in NJ, but WORK in PA are not covered. Pennsylvania does not have mandated state coverage. You employer may provide short term disability to its employees, or give you the option to pay for it yourself through a payroll deduction. Check with your HR department.
Can you drive in NJ without personal insurance coverage?
no
What does full coverage insurance cover?
most people refer to ''full coverage'' as having the state required liability coverages as well as coverage on your vehicle, ''collision' and ''comprehensive coverages''.......there are many many coverages that you can elect to purchase, (ie accidental death, umpd,medpay, rental, tow, and etc)
What does uninsured motorist coverage mean?
Uninsured motoristUninsured Motorist coverage (which is required coverage in many states) covers injuries that the driver and occupants of a car sustain when the at-fault vehicle was not insured for liability coverage. UM does not cover the physical damage to the vehicle. UMPD (uninsured motorist property damage), where available, covers that physical damage. UMPD is essentially similar to collision coverage, which is first party insurance that pays regardless of fault, subject to a deductible.Uninsured motorist coverage pays essentially the same type of benefits (such as for pain and suffering) as the liability insurance of the other party would pay if the at-fault party had liability insurance. Additionally, the uninsured motorist insurer will generally evaluate a claimant's injuries in much the same way as a liability insurer would, and the claimant is subject to a reduction in damages for contributory or comparative negligence according to the law of the jurisdiction.
Where can I find the cheapest cell phone prices in the Kearny, NJ area?
Verizon wireless carries the cheapest cell phones with the best coverage. Take a look here: http://www.cellreception.com/coverage/nj/kearny/page1.html
