My insurance canceled uninsured person hits someone in rear what happens to me
You both pay for your own damage.
If you are uninsured then of course not.
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.
The insurance will pay for your damage if you have insurance from underinsured motorists. Otherwise, the motorist will pay for it who doesn't have insurance if they have any money.
An Uninsured car has no insurance. Your liability coverage may follow you to it if it is a replacement vehicle but would not cover damage to the uninsured vehicle.
Vehicles are insured not drivers. If you are qualified and authorized to operate an auto the insurance on it will pay for it and any damage done by it.
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.
Uninsured drivers become subject to license and vehicle registration suspension when accident damages amount to:
If the accident was your fault and someone else was involved their uninsured motorist insurance will pay for their damage. The bad news is that they WILL sue for the amount they had to pay out.
Usually the amount of damage is estimated based on insurance claims. Uninsured property is then estimated based on the total value of the insurance claims.
There are many questions to be asked with this question. Are you saying an uninsured driver, driving a vehicle with no insurance? First of all you hope that the insured drivers insurance company accepts liability for the damage. If they don't then your only hope is to get a lawyer and take them to court. If you can't afford a lawyer then small claims court may be an option. For a bit of advise, don't drive uninsured.
Uninsured motorist coverage provides insurance coverage when you are hit by a person who has no insurance coverage. You uninsured motorist coverage will take the place of the insurance that the other person did not have and will cover your damages just like theirs should have if they had it. The only difference is that you will have a small deductible for property damage coverage.
no, uninsured motorist coverage is for injuries only when an uninsured motorist hurts the occupants of a vehicle......there is a coverage called uninsured motorist property damage, (most people do not have this and are even unaware that it is available, and is not available in all state) if you have that or collision coverage those will cover the damage to your vehicle ........
It doesn't matter what we say here. Ask your insurance company!
In auto insurance, 'uninsured insurance' refers to a type of coverage for accidents caused by a motorist without insurance or hit-and-run accidents in which the driver who caused the wreck cannot be identified. In other words, your insurance may cover the cost of damage to your car, medical expenses, and other expenses. http://www.superpages.com/supertips/what-is-uninsured-or-underinsured-motorist-coverage.html
Yes! Good thing you bought this extra coverage. Its actually uninsured motorists and underinsured motorists. It also depends on how much you bought. I hope you also have uninsured motorists property damage, because you have to buy bodily injury and property damage separately.
No your vehicle is not covered. That is why it is always recommended that you carry comp and collision and uninsured motorist.
If you have an accident with an uninsured vehicle, you and your insurance company are still liable for all damages, even though the other vehicle has no insurance. The only thing that will happen to the other driver is a citation for driving with no insurance.
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.
You got it! If you've got uninsured motorists property damage, then your company will pay for the damage to your vehicle caused by the uninsured motorcycle operator. You may have a small detuctible, $200-$300, and the the insurance company will sue the at-fault party to recover both the money they spent and your deductible, this process is called subrogation. The process works the same if you don't have the uninsured motorists property damage coverage but do have collision.
tell your insurance company and the police and your insurance company will pay everything except the deductible. If you have full coverage than your insurance is required to make good on the damage. It is up to your insurance company to try and get their money back from the uninsured driver of the other vehicle.
If your insurance covers someone else driving your car, no problem. If not, it's your car and you are legally responsible for whatever damage there is. In other words, you are responsible because you loaned him the car.
NO, liability covers damage you do to someone else's property. Comprehensive insurance covers damage to your vehicle by someone else. If you have no comprehensive, then you will need to look to their insurance for recovery of damages.
If you have uninsured motorist coverage on your own insurance policy, your insurance will assist you. Often, your insurance will pay your damages and then it will file a civil suit against the other driver to get reimbursed. Also, you can sue the driver individually for the damage. However, many people who are uninsured are in that position because they can't afford insurance, and therefore you may get a judgment that the defendant cannot or will not ever pay.