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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?
Wiki User
∙ 18y ago
Wiki User
∙ 18y ago
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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.
Does uninsured motorist insurance pay if you hit a deer?
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.
The Ins and Outs of Uninsured Motorist Insurance in Virginia?
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.
How much will your insurance rate go up after an accident with an uninsured motorist?
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.
What happens when you have a car accident with a driver that has no vehicle insurance?
I hope you had insurance for this. The uninsured motorist will probably be broke
What kind of insurance pays for a car accident you are in if the other person involved has no insurance?
Uninsured motorist coverage
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.
Can you get insurance on your license even if you do not own a car?
I believe you can get liability and perhaps uninsured motorist insurance without owning a car.
What are the state minimum requirements for car insurance in Maryland?
Maryland minimum car insurance requirements are: Bodily Injury Liability: $20,000 per person/$40,000 per accident; Property Damage Liability: $15,000; Uninsured/Underinsured Motorist Bodily Injury: $20,000 per person/$40,000 per accident; Uninsured Motorist Property Damage: $15,000; and finally Personal Injury Protection (pays your medical bills): $2,500.
Who is considered an uninsured motorist?
Anyone without valid auto insurance that is driving is an uninsured motorist.
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.
What is a good place to get auto insurance in Illinois?
With regards to auto insurance, your best bet is to "shop around" as each company will offer different rates and discounts. There is a minimum coverage you must have (liability and uninsured motorist coverage). For liability it's $20,000 - injury or death of one person in an accident, $40,000 - injury or death of more than one person in an accident, and $15,000 - damage to property of another person. For uninsured motorist coverage it's $20,000 per person, $40,000 per accident.
