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Q: If i am a passenger in a car that is not insured and I suffered an accident in that car can i claim uninsured motorist benefits under my parent's policy?
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Can you file a lawsuit against the state if an uninsured motorist wrecks your vehicle?

No. The state is not responsible for the accident or the driver. You can file suit against the uninsured motorist.


How much will your insurance rate go up after an accident with an uninsured motorist?

Usually an uninsured motorist accident is not chargeable against insured in any way. Your rates should not be effected at all with most insurance companies.


Does uninsured motorist insurance pay if you hit a deer?

Uninsured motorist covers you in the case you are in an accident with another driver that does not have insurance. Comprehensive coverage is what will pay when you hit a deer.


Will uninsured motorist cover damages caused if the other vehicle is stolen?

Uninsured will not cover this type of accident. Your comprehensive will cover this type of damage.


The Ins and Outs of Uninsured Motorist Insurance in Virginia?

Whether in Virginia or another state, uninsured motorist insurance is often pushed aside by drivers. Unfortunately for those drivers, uninsured motorist insurance could come in handy in the case of an accident where the other driver involved does not have insurance. In Virginia, uninsured motorist insurance is actually mandatory. Residents are required to purchase uninsured motorist insurance as part of their auto insurance plan. Fortunately for residents of Virginia, uninsured motorist insurance can help protect from health care costs and other costs associate with an accident that the driver is not at fault for. Residents of Virginia are required to purchase 25/50/20 of uninsured motorist insurance with their auto insurance policy. This amount of insurance is purchased in order to cover bodily injury and damage to property costs associated with an accident. Additionally, uninsured motorist insurance can help pay for lost wages and other medical bills as a result of an accident. While uninsured motorist insurance may seem like an extra or unnecessary costs, statistics have shown that nearly 15 percent of drivers on the road do not carry liability insurance. In the case of an accident in which a driver does not have insurance, the driver at fault would be required to pay for any and all costs. If they can't, it becomes the responsibility of the other driver involved in the accident. It doesn't matter if the driver was at fault or not. In Virginia, drivers have the option of purchasing a deductible for uninsured motorist insurance. The deductible is the price that a driver is willing to pay out of pocket if they have an encounter with an uninsured driver that can not pay for damages and or medical bills. Fortunately, as it is mandatory in Virginia, purchasing uninsured motorist insurance or paying for a deductible is relatively inexpensive. As with all types of auto insurance, prices will vary depending on the insurance company. For best deals on uninsured motorist protection rates, it's best to shop around.


Would uninsured motorist coverage apply if a deer runs out in front of your car and causes an accident?

yes


What happens when you have a car accident with a driver that has no vehicle insurance?

I hope you had insurance for this. The uninsured motorist will probably be broke


What kind of insurance pays for a car accident you are in if the other person involved has no insurance?

Uninsured motorist coverage


What will happen if you are a passenger in a car that has a severe accident and you are severly injured The car is uninsured and the driver who doesn't own the car is uninsured?

If there was another vehicle involved and the accident was that driver's fault you can file a claim through their insurance. Otherwise, the only other place to go is through your insurance. You can use your medical coverage (if you have it) and you should have "uninsured motorist bodily injury" coverage that you can use.


Will your uninsured motorist coverage cover an accident from an at fault unlicensed uninsured driver?

Yes. The initial trigger for entitlement to uninsured motorist benefits is involvement and injury in a motor vehicle collision with an uninsured motorist. According to state law, there may be other requirements as well (such as the existence of a permanent injury or significant scarring), but lack of insurance by the adverse party is the first requirement. Note also that, again depending upon state law, if you as the injured party negligently caused or contributed to the collision, your recovery may be reduced accordingly.


What is the statute of limitations for uninsured motorist bodily injury in New Jersey?

In New Jersey, the statute of limitations for uninsured motorist bodily injury claims is generally two years. This means that you have two years from the date of the accident to file a lawsuit against the uninsured driver for any bodily injuries you sustained.


Who is considered an uninsured motorist?

Anyone without valid auto insurance that is driving is an uninsured motorist.