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If someone who is uninsured is hit by a car what do they have to do to get the drivers insurance to pay for the medical care?
Wiki User
∙ 11y ago
You may be ticketed due to lack of insurance, but you are NOT automatically At Fault. The problem is you have no one to fight for your rights -- no insurance company to go after theirs. You're probably going to have to hire a lawyer unless their insurance company will act responsibly (rare, but it happens).
First, contact the other party's insurance company and ask them about taking care of the claim -- how many estimates they need, preferred repair shops in your area, etc. Do NOT mention you don't have insurance, esp. if you have the accident report and they are clearly at fault. Chances are they already know you don't have insurance, but don't volunteer information, either.
If they won't process a claim, send a letter via certified mail with a copy of the accident report to the insurance company outlining your loss ($800.00 for repairs, etc). If you do not hear from them within a week, it's time to contact a lawyer. You shouldn't have any problem finding a competent one -- but be aware, most are going after larger claims that will cover their costs, too, not a $1000 or $2000 repair job. If you are injured, you have a right to compensation, so don't feel guilty about seeking legal help. But if this is a small amount, you may spend more on attorney's fees than it would cost to repair. One other recourse you have is to work with your State Insurance Commission if the insurance company is uncooperative, possibly a local or state-level comsumer advocacy group, too.
Good luck!
Wiki User
∙ 11y ago
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Will liability insurance pay off your vehicle if it is totaled?
Your own liability insurance will never pay for the damage to your property or for your medical expenses. Your collision insurance pays for damage to your property, if it is your fault. Your Uninsured Motorist Insurance or Underinsured Motorist Insurance pays for damage to your property if caused by someone else who is uninsured or under-insured. Your liability insurance will pay for the damage to someone else's property or for someone else's medical expenses, if it is your fault. Someone else's liability insurance will pay for the damage to your property or for your medical expenses, if it is their fault.
How do you set up the Sportage to be towed by a MotorHome?
If someone without a valid drivers license and without car insurance drives a car that is covered by car insurance, does that insurance pay for that uninsured driver if they have a accident?
What is uninsured motors insurance?
Uninsured MotoristUninsured motorist is pretty much insurance where if someone hits you and they lack auto insurance, your insurer will still pay damages for your car.
Will insurance cover my car damage if I loaned my car to an unlicensed and uninsured driver?
My insurance canceled uninsured person hits someone in rear what happens to me
What is the benefit of having uninsured motorist coverage and medical payments on your auto insurance policy?
The benefit of having uninsured/underinsured motorist coverage is that almost 20% of us drive around with no insurance. There's also a good percentage of high risk drivers with minimum coverage running around. That's quite a pool of drivers we're up against every day. You want to be able to cover your losses if you are involved in an accident with someone like that. As far as having medical payments--this protects you and whoever you have in your car for medical coverage. If you don't have health coverage, it's a biggie. Medical coverage also protects you if you are walking and get hit by a car.
What happens to the owner of a car that gets into an accident with someone else driving there uninsured car?
They will have to take the uninsured driver to court. Or if you have uninsured driver policy with your insurance, they will pay it.
What could happen to an uninsured driver even if they have received a car insurance quote?
Even after receiving a car insurance quote, someone driving uninsured is still putting their lives and others in jeopardy and whether you have a license or not. Someone driving uninsured can bring on the risk of being arrested.
If someone hit your car and didnt have insurance is it covered by uninsured motorist?
Yes as long as your policy has uninsured motorist coverage on your policy.
How can you get inexpensive motorcycle insurance that only pays out if you damage someone else and not for your own bike?
You are looking for liability only coverage. You should also consider uninsured & underinsured motorist coverage which will supply medical payments if you are injured by an uninsured or underinsured driver.
Coverage To Drive?
If you are driving a car in the state of Illinois, then you need to carry insurance on the vehicle. Uninsured motorists can get insurance at affordable rates if they know where to look. There is a minimum amount of coverage that the driver needs to have on their insurance. This amount is not high so that drivers can get insurance coverage at an affordable rate. However, if a driver wants to take a risk and let someone else drive their car, they need to carry uninsured motorist insurance on their policy. The minimum amount for this coverage is $20,000. This covers the driver of the car if they were in an accident and were not covered under an insurance policy. In the event of a car accident and the driver of your car or the other car were not covered under their own insurance policy, the uninsured motorist coverage would protect not only yourself but the other drivers in the accident. The coverage will pay for any medical necessities that are incurred during the accident and any wages that are lost. The coverage will only pay up to the amount that you have on your insurance policy. Anything over this amount will be the responsibility of the driver. If the accident was the fault of the other driver, then their insurance will cover up to the amount listed on their policy and then your insurance will cover the remaining amount. An uninsured policy is different than an underinsured policy. An underinsured driver has insurance, but they may not have enough coverage to pay for the expenses if the driver were in an accident. An uninsured motorist has no insurance at all. The only way that an uninsured motorist can usually drive a vehicle is if there is a family member who has taken out the uninsured motorist coverage on their insurance. An uninsured policy is not expensive to get, but it would be best for the driver to obtain their own policy as soon as possible.
If someone with insurance is found at fault when they hit an uninsured driver does the at fault drivers insurance still pay for damage to the uninsured car?
Yes, you are responsible regardless whether the other party has insurance or not.You should recover compensation, but in the UK driving without motor insurance is a criminal offence so you could be prosecuted by the authorities. Also - the mechanics of the collision are important. For example - drivers without insurance quite often have no driving licence: if the accident was contributed in part by inexperience of the person with no licence compensation could amounts could be reduced by a percentage. See the related link entitled "car driver injury claims" to see when car drivers can recover compensation.
What kind of motorcycle insurance can I get for my uninsured motorcycle in Florida?
I have no really idea as to what companies takes care of motorist insurance when you are someone who is uninsured in Florida. I can only mention these names to help you out: All State, AAA. Geico and eTrade maybe.
