If you are hit by an uninsured motorist and it is their fault will your insurance rates increase?
I had this happen to me and I called my insurance company to ask this question. They told me they will not answer the question. I must file a claim if I want to get an answer. Nice huh?
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. Read More
No according to the law (which may be different from state to state) The uninsured motorist is always at fault Read More
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. Read More
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
If you have "Uninsured or Underinsured Motorist" coverage on your policy, then your insurance will cover it at no cost to you. Read More
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. Read More
Uninsured motorist Uninsured 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… Read More
If an insured truck driver from another state hits an uninsured motorist will the insured truck driver's insurance pay the expenses of the uninsured person?
Only if the truck driver was at fault. Read More
If the other driver is at fault in a collision and does not have insurance can the claim be paid entirely under your uninsured driver coverage?
Yes - that's the point of uninsured motorist coverage. You'll be bound by the terms of your policy so review it. But generally yes, if the at-fault driver is uninsured, you can make a claim against your uninsured motorist policy. You'll have to prove the other driver had no insurance. Generally an affidavit of no insurance, or a letter from the most recent insurer stating the policy had lapsed or was in some way not… Read More
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… Read More
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. Read More
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. Read More
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. Read More
Does State Farm Uninsured motorist coverage cover the damage to your vehicle if hit by a driver without insurance?
Yes and i believe no premium hikes if it was not your fault. Read More
file a collision claim with your insurance company once all is settled they will go after (subrogate) the uninsured (assuming they are at fault) party to recoup theirs and your money..... Read More
If an insured motorist is at fault and hits an unisured motorist will the insured motorists insurance company pay the expenses of the uninsured person?
Yes, this is because as you stated, the insured driver was at fault. The at fault driver is responsible regardless of the insured status of the person they hit. A good rule of thunb is this,, If they had insurance would I be responsible If the answer is Yes, then the answer is still Yes Read More
There are seven types of car insurance available. There is liability, collision, comprehensive, uninsured motorist protection, medical/personal injury protection, no fault, and gap insurance. Read More
In a case that is like this, the insurance company can pay under uninsured motorist and attempt to collect when the hit and run driver is found. Although it is not your fault the insurance company will keep a record and note if you have a repeat of this happening. Read More
This depends on the specific state's laws in which you live. Generally in a pile-up the insurance companies duke it out, and often each goes through his/her own company for coverage, which would leave the uninsured motorist with no coverage for their vehicle. For injuries, depending on fault, you may possibly draw from the uninsured motorist coverage. Read More
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. Read More
If you are not at fault and the police report and witnesses prove this do you still pay your deductible?
You do not have to pay the deductible if the other person's insurance is paying the claim. If you put the claim through your insurance, and do not have uninsured, underinsured motorist protection then you will have to pay the deductible regardless of who's at fault. Read More
Who covers the costs for medical and car repairs if the other person who is at fault doesnt hcarry their own insurance?
If the other party does not have auto insurance and you do not have uninsured motorist coverage on your policy then your only recourse would be to file suit against the party who is at fault and hope to be able to recover damaged. This is the reason for having uninsured motorists insurance on your policy is because sometimes people don't have insurance as they should. Read More
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. Read More
Collision insurance will cover the damages to your vehicle- no matter who is at fault. Uninsured coverage is used if the other vehicle is at fault for the accident and you and/or anyone in your car is injured. This coverage will typically pay for related medical bills, loss wages, and general damages (i.e pain and suffering). Liability = Other vehicle damage Injuries to driver/passenger in other vehicle Injuries to passengers in your vehicle if you… Read More
Who is it that doesn't have insurance (your, or the 'other' person)? If you don't have insurance and are at fault there is no way you can receive any money for the car. If ther other person involved is missing insurance then you will still be covered if you pay for collision or uninsured motorist. 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. Read More
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. Read More
Uninsured motorist coverage pays damages for bodily injuries when the at-fault driver or owner of a vehicle has no bodily injury liability coverage. It pays an amount up to the amount purchased by the insured, and is generally not a required coverage. In those states that utilize a comparative negligence rule of determining fault for a collision, the amount that the inured party can recover is reduced by the amount of liability attributable to him/her… Read More
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. Read More
If the person at fault does not have enough coverage then is this a good idea that go through your insurance for claim?
Yes. That is what your Uninsured/Underinsured Motorist coverage is for. Limits & conditions are very state & company specific. Read More
Texas is NOT a no-fault state for auto accidents. You can, however, purchase uninsured motorist coverage. Read More
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
If you have automobile insurance with an uninsured motorist property damage endorsement it covers damage to your car caused by an uninsured motorist. If you have collision coverage the endorsement will pay your deductible. If you don't have collision coverage the endorsement will pay for damages up to a set amount, typically $3500. Before it will pay it has to be determined that the other party was at fault and that they have no insurance… Read More
There are seven types of car insurance. Liability insurance covers the cost of repairing any property damaged in a crash, as well as medical bills. Collision insurance makes it so then insurer pays for repairs. Comprehensive insurance handles any situation, including theft. Uninsured motorist protection is a policy that covers damage by an uninsured motorist. Medical/Personal-injury Protection covers costs of injury. No-fault insurance covers property damage and injuries no matter who is at fault. Gap… Read More
If you have uninsured motorist insurance are in an accident and its you fault other driver has no insurance or drivers license can you get your car fixed if you only have liability insurance?
As a broker, I can tell you NO, there is no coverage if you are at fault. Now if you are only partially at fault, example, 50%, and it's proven, there may be coverage under your carrier. I'm in Canada where things are a bit different but it wouldn't hurt you to try right? Read More
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
A hit and run vehicle was found at fault for causing back injury how much should be paid for pain and suffering?
Did you locate the culprit? How much uninsured motorist insurance did you have? You have to find someone to sue. Read More
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. Read More
No, liability insurance only covers the other vehicle if you are at fault for an accident. Coverage for your own car if the other driver is uninsured would come from one of two places: -your collision coverage, this would be the case regardless of if you or the other driver is at fault -your uninsured motorist coverage. This would be the case if the other driver is at fault. This is usually a separate part… 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. Read More
There are seven basic types of car insurance. They are liability insurance, collision insurance, comprehensive insurance, uninsured motorist protection, personal injury insurance, no-fault insurance and gap insurance. A car insurance agent can help figure out what insurance is best based off one's needs. Read More
Not at fault Alabama Statute Of Limitations: 6 Years Uninsured Motorist Coverage: NO Diminished Value For At Fault Party: NO Read More
Not at Fault Kentucky Statute Of Limitations: 5 Years Uninsured Motorist Coverage: NO Diminished Value For At Fault Party: NO Read More
No. You coverages that apply is what you had at the date and time of loss. Read More
Can the driver at fault file a claim to his own insurance for bodily injury under his uninsured motorist portion of his policy if he was driving a friend's vehicle who had no insurance coverage?
No. Insurance follows the vehicle primary, driver secondary. Since the driver is at fault and there is no coverage under the vehicle itself, the drivers policy would pay for any bodily injury or property damage he may have caused. Therefore uninsured motorist coverage would not apply. The only way that driver would have coverage for himself is if he already had Med Pay coverage on his own policy. Read More
If an insured motorist hits an uninsured vehicle and the insured motorist claims it is their fault who will pay for the uninsured vehicle?
regardless of whom is insured or not, the 'negligent' or liable party is responsible for the damage or 'to make whole' the injured (this means damage to vehicle as well) party........ i think the insured should pay since it was there fault Read More
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. Read More
Not at Fault Texas Statute Of Limitations: 2 Years Uninsured Motorist Coverage: YES Diminished Value For At Fault Party: NO Read More
Not at fault Iowa Statute Of Limitations: 2 Years Uninsured Motorist Coverage: YES Diminished Value For At Fault Party: NO Read More
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