If you an uninsured motorist were involved in an accident that wasn't my fault will the guilty party's insurance pay for a rental car for you?
Your question is confusing. The way I read it, the one that caused the accident was uninsured, so how can that person's insurance company pay for your rental car? He has no insurance company.
What kind of insurance pays for a car accident you are in if the other person involved has no insurance?
Uninsured motorist coverage
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.
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.
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.
There is nothing much you can do if you are involved in accident with an uninsured car. There are reason why the other person do not get insurance as it could be because of his economic problems. A recent study showed that there are huge number of people in US who do not contain their auto or car insurance.
I hope you had insurance for this. The uninsured motorist will probably be broke
How is one protected under car owners insurance when one drives and is in an accident with a party that does not have insurance?
You need to have uninsured motorist insurance as a rider on your insurance. If not you will have to sue the uninsured driver.
Assuming in this instance the uninsured driver is the one at fault, he or she is still liable for any property damage & personal injuries that may have resulted from the accident. The injured party will make a claim against his or her uninsured motorist policy. But that insurance company can, and often will, sue the uninsured driver.
Will your insurance pay if the accident is your fault and you only have uninsured motorist insurance?
If all you have is uninsured motorists then no it will not pay. you need liability insurance to pay for damaged caused to another. Liability is what your supposed to have.
That's what Uninsured and Underinsured motorist coverage is for. You have that on your insurance policy. I have been in this situation. The first thing you do is talk to your insurance company. Tell them about the accident and how it is their fault. It is better if you provide proof like police report or written statements, but if not, it depends on how your insurance company rules it. From there, your insurance company should… Read More
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.
Uninsured Motorist Uninsured motorist is pretty much insurance where if someone hits you and they lack auto insurance, your insurer will still pay damages for your car.
In a collision an uninsured motorist was at fault who pays for the damage insurance or uninsured motorist?
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.
If you had an accident that was your fault you have uninsured motorist coverage the other driver was uninsured do you have to pay all the costs?
The at fault driver is responsible regardless of who has or does not have insurance. You were at fault, you get the bill. Fortunately though you have insurance. So they get the bill.
If you have uninsured motorist coverage let your insurance company settle with you then recover from the motorist in court. If you don't you will have to take the motorist to court yourself. Your insurance company is far better equipped for this than you are.
An uninsured motorist endorsement is an added insurance policy for motorists. It covers injuries that have resulted from a collision by an uninsured driver.
UM/UIM policies are in case you are involved in an accident with a driver who doesn't have insurance or doesn't have enough. This policy is only in the event that the uninsured motorist is at fault for the accident. it is not necessary on all vehicles but it might be a good idea.
Stacked coverage means that you may combine your coverage limits for each automobile insured under your policy. For example, if you insure three cars and obtain stacked coverage with limits of $10,000 per person and $20,000 per accident for each auto. Your stacked, or combined, coverage will total $30,000 per person and $60,000 per accident. If the coverage was unstacked, then the limit of coverage for each vehicle would be $10,000 per person and $20,000… Read More
Question If you are involved in and auto accident in Florida and the other driver is at fault but has no auto insurance and you are injured can you sue your insurance company for injuries?
No, you cannot sue your insurance company for injuries....actuallly, I take that back. You can sue anybody for anything...but in this case, you would not win. Your policy should have a coverage called Uninsured Motorist Coverage. Typically, this would cover the injured parties in your vehicle if the accident was caused by an uninsured driver. This would cover your injuries in such an incident. Unfortunately, this coverage is not discussed by most insurance agents and… Read More
If you are in an accident with someone whose insurance lapsed but you have full coverage will your insurance cover it?
Yes they will, but you may have to pay a deductable if you do not have uninsured motorist coverage, and you you must have comp & coll coverage.
Yes as long as your policy has uninsured motorist coverage on your policy.
No. The state is not responsible for the accident or the driver. You can file suit against the uninsured motorist.
What if your driving a friends uninsured vehicle with them and have and accident with another uninsured vehicle but you do have uninsure motorist insurance on your own car who insurance is responsible?
Since you are the only person with insurance it would be your insurance that pays, if your policy says this situation is covered. It depends on your insurance policy. Some cover you, others don't
What if you do not have uninsured motorist insurance and your car was hit while parked and the drive left the seen of the accident?
You would have to file this under your collision coverage. Depending on your insurance provider, they will list the accident as a no fault accident. More than likely, you will have to pay your deductible.
Yes they should. Did you carry uninsured motorist? The only issue is if your car had a driver that did not have a license or was living in your home and you did not tell them about this person.
Liability covers the other person that you damage. Uninsured and under-insured motorist coverage carries those in your vehicle. Medical payments coverage covers everyone involved regardless of fault.
What do you do if you get into a accident with someone who does not have insurance and you are not at fault?
Most no fault insurance laws protect the not-at-fault party. Your insurance will indemnify your loss and penalize the un-insured motorist. DO NOT make outside deals with an uninsured person after an accident as this limits your ability to make claim.
If you are driving another person's car with permission and have an accident with an uninsured motorist running a red light will it be covered?
99% of all insurance companies will cover such situations.
hope the other person has uninsured motorist coverage or else its coming out of your pocket. and then, their ins co may sue you. IN THE END, YOU PAY
You'll need to file an accident report, then notify your insurer of the loss occurrence. If your have collision or uninsured motorist coverage on your policy, your insurer can handle it for you. Your insurance insurance company pays you, they would then seek subrogation from the at fault driver.
It doesn't matter what we say here. Ask your insurance company!
If in an at fault accident and you have no insurance and there is no injurys to either party and no police come and make a report what should the uninsured driver expect in California or any state?
The uninsured driver, assuming they are at fault, can expect to be pursued civilly by either the other driver's insurance company or the other driver. The uninsured motorist can be sued for damages and any other expenses incurred as a result of the accident, including court costs.
This is actually "Uninsured motorist property damage coverage" Or Waiver It is the portion of your insurance that covers you if the other motorist has no coverage. If it is a waiver you have to initial it means you have declined this coverage. This is one of many ways the cheapo insurance companies lower your rates.
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.
If a motorist is injured by an uninsured motorist and the driver has uninsured motorist coverage the insurance carrier will provide coverage, if certain information is obtained on the uninsured driver. If a driver has Medical payment coverage or PIP coverage he or she and any passengers will be covered by the drivers auto policy Medical payment coverage.
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… Read More
At fault party of an accident lied to police about insurance who do you report this to so that they will have to pay fine?
You should call and report this to the police. Also, you should contact your insurance company and advise them about this. If you carry uninsured motorist coverage on your policy, and can prove to your company that the other person is uninsured, your company will pay to have your car repaired and send the bill to the uninsured person.
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
If someone dented your car in a parking lot then left would your uninsured motorist insurance cover the damages?
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 ........
An accident Attorney. Most accident attorneys however will not be interested in taking the case if they know the other party has no insurance <><><> Agree- however, if YOU have insurance, you probably do not need an attorney. YOUR insurance pays you under uninsured motorist coverage, and then the insurance company's lawyer goes after them.
Does insurance still cover a claim for damages when not at fault and hit by an uninsured motorist if the vehicle's registration is expired at the time of the accident?
yes the coverage is effective even though the registration is expired.
Uninsured drivers When I was hit by an uninsured motorist and it was their fault, my insurance company paid to fix my car. It's my understanding that they then sued the uninsured motorist for reimbursement. I was told that I could also file a small claims suit against the uninsured motorist for the deductible amount that I had to pay under my policy. So you have a choice; submit a claim to your company and… Read More
In most places, motorists are required to carry uninsured/underinsured motorist insurance to take care of just such a situation. If you'd like details, call your insurance agent and ask how it would be dealt with in your particular case.
Because there are many people who are driving without insurance coverage in our nation. Far more than you realize. It is a stupid and reckless crime but it happens all the time. If you do not have uninsured motorist coverage you will be on your own to try and collect your damages from someone who has chosen not to pay for legally required insurance. How well do you think you will do on collecting from… Read More
Uninsured will not cover this type of accident. Your comprehensive will cover this type of damage.
If you have an uninsured motorists coverage, then it should.
Uninsured Motorist coverage
If someone has a car accident and does not have insurance how is the other motorist compensated for damages?
Your insurance policy most likely has a clause that protects you up to a certin amount if you are in an accident with an uninsured driver. You can also hire a lawer and sue the other driver for any damages (along with lawer and court fees).
Am I considered an uninsured motorist If I am driving my son's car which is fully insured and driving with permission but I do not have insurance and at fault in an accident?
No. The car is insured and your son's policy will provide coverage up to its policy limits.
It's just auto Insurance. If you purchased coverage for uninsured motorists coverage option then yes you will be covered.