I dont know about other countries but in South Africa we have the Road Accident Fund which compensates passengers injured in an accident. You should closely read the terms and conditions provided by your insurer.
When people have accidents in their automobile and someone is injured it is required to report it to the police and to their insurance company. This is because the injured person may need a doctors care and the person responsible for the accident is the one that will be required to pay through their insurance company.
Yes you will need car insurance in Ohio, if you own a car. Car insurance is mandatory to ensure people are covered for damage, in the case of a car accident.
In U.S. there are about 50000 people injured each year due to motorcycle accidents.
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.
damage to automobile and injured people involved.
Personal Accident Insurance to cover the people in the car in case of accident.
1) Your insurance company receives your driving record from your DMV. If you are in an accident and it is reported to the police, they will add that accident to your driving record. 2) When you are in an auto accident, the insurance companies of everyone involved are notified when people submit claims.
Damage to both people and property are covered by auto insurance. Aside from protecting the insured against the claims of others (for bodily harm or property damage, for example), auto insurance typically helps pay for medical expenses needed by the insured or other person involved in the accident AND it covers costs leading to loss or damage of the automobile stated in the insurance.
Personal Accident Insurance to cover the people in the car in case of accident.
They are required to give assistance to all injured people at the accident
If you own a car and buy insurance to cover it, you are covered although the insurance is on the car. You can allow other people to drive the car and they will then be covered even if they don't have insurance.
Your own underinsured / uninsured (UM) policy is designed to pay to you, the policy holder, if an uninsured or underinsured person is at fault and causes injury to you but that's only if the other driver was at fault and you were injured. If you injured yourself in the accident (you were at fault), then your insurance will NOT pay pain and suffering awards. If they did, there would be many, many, many people who would stage accidents to 'injure' themselves and then claim pain and suffering awards.