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once the limit is met there is in effect no more money to be paid on that policy period......some states allow 'stacking'' meaning if the limit is reached on the insurance policy that covers the car...you can then 'stack' the coverage you have on your vehicle (uninvolved car), if you have one....or many other vehicles.....if you are a minor check your parents policys...

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โˆ™ 2007-08-10 11:48:12
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Q: What do you when you are passenger in an accident that is injured and you are covered under the uninsured motorist however they say the limit has been met and surgery is most likely the outcome?
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Related questions

If someone hit your car and didnt have insurance is it covered by uninsured motorist?

Yes as long as your policy has uninsured motorist coverage on your policy.


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.


You had an accident with a person covered by uninsured motorist how can you get your car fixed?

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.


Will full coverage cover the insurance holder if they were injured?

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 sr22 insurance pay for damages done by a uninsured motorist?

It's just auto Insurance. If you purchased coverage for uninsured motorists coverage option then yes you will be covered.


If a uninsured motorist hits your car will sr22 cover your damages?

If you purchased uninsured motorists coverage with your policy you will be covered. The SR22 is not insurance, it's certificate of proof that you have insurance.


Can you drive uninsured with a insured licensed driver in the passenger seat?

No, if the other person is driving the uninsured vehicle, then that person is still covered by their own policy. But, if you AND the vehicle are uninsured, then it doesn't matter who's in the passenger seat.


Coverage To Drive?

If you are driving a car in the state of Illinois, then you need to carry insurance on the vehicle. Uninsured motorists can get insurance at affordable rates if they know where to look. There is a minimum amount of coverage that the driver needs to have on their insurance. This amount is not high so that drivers can get insurance coverage at an affordable rate. However, if a driver wants to take a risk and let someone else drive their car, they need to carry uninsured motorist insurance on their policy. The minimum amount for this coverage is $20,000. This covers the driver of the car if they were in an accident and were not covered under an insurance policy. In the event of a car accident and the driver of your car or the other car were not covered under their own insurance policy, the uninsured motorist coverage would protect not only yourself but the other drivers in the accident. The coverage will pay for any medical necessities that are incurred during the accident and any wages that are lost. The coverage will only pay up to the amount that you have on your insurance policy. Anything over this amount will be the responsibility of the driver. If the accident was the fault of the other driver, then their insurance will cover up to the amount listed on their policy and then your insurance will cover the remaining amount. An uninsured policy is different than an underinsured policy. An underinsured driver has insurance, but they may not have enough coverage to pay for the expenses if the driver were in an accident. An uninsured motorist has no insurance at all. The only way that an uninsured motorist can usually drive a vehicle is if there is a family member who has taken out the uninsured motorist coverage on their insurance. An uninsured policy is not expensive to get, but it would be best for the driver to obtain their own policy as soon as possible.


Is uninsured motorist coverage necessary for a business auto policy given that employees are covered under the workers' compensation policy?

Most of the coverage for uninsured is for pain and suffering so I would have it.


Who is covered under my Uninsured Motorist coverage?

Uninsured Motorists Options on your Auto Insurance Policy Offer cover yourself and other passengers in your vehicle and comes with basically 2 options 1 Um / BI = Uninsured Motorist Bodily Injury Coverage 2. Um / PD - Uninsured Motorist coverage Physical Damage BI covers Bodily injury to the driver and passengers in your vehicle. PD covers your Physical Damage for your Vehicle.


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 is covered if an insured driver gets into an accident in an uninsured car?

This would require more information to answer.

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