answersLogoWhite
Auto Insurance
Auto Insurance Claims
Motorcycle Insurance

What does uninsured motorist coverage mean?


Top Answer
User Avatar
Wiki User
Answered 2014-04-17 02:18:09
Uninsured motoristUninsured 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.

Uninsured motorist coverage pays essentially the same type of benefits (such as for pain and suffering) as the liability insurance of the other party would pay if the at-fault party had liability insurance. Additionally, the uninsured motorist insurer will generally evaluate a claimant's injuries in much the same way as a liability insurer would, and the claimant is subject to a reduction in damages for contributory or comparative negligence according to the law of the jurisdiction.

001
๐Ÿ™
0
๐Ÿคจ
0
๐Ÿ˜ฎ
0
๐Ÿ˜‚
0
User Avatar

Your Answer

Related Questions


It is not a mandatory coverage. However, you have no bodily injury coverage if you are injured by an uninsured motorist.


Uninsured motorist coverage provides coverage for bodily injury, and in some states property damage incurred by an uninsured driver or a driver with insufficient liability limits.


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.


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 ........



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


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.


Underinsured and uninsured motorist coverage protects drivers when the in Florida as the state does not require motorists to carry bodily injury coverage.


You need at least $2000 uninsured motorist coverage for you auto insurance policy in the state of Georgia


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.


It is a very good idea to have uninsured motorist coverage. You need to always have yourself protected.


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.


"Stacked" refers to uninsured motorist coverage, not to liability or physical damage coverage. In essence, if there are two cars in a household, both with insured motorist coverage, the uninsured motorist limits of the cars can be "stacked"--added together. Naturally, this will only make a difference if the severity of the injury and the clarity of the liability is such as to warrant that size of a payment to the insured. Keep in mind that the assessment of damages by an insurer in an uninsured motorist claim is similar to that done by a liability insurer in a third-party claim. Note also that some states have "anti-stacking" statutes which prohibit the stacking of ininsured motorist limits.


If you do not have an uninsured motorist property damage coverage, your collision might be used to pay for the repairs to your car, in which case your collision coverage deductible will be used.


I'm not 100% sure about Florida specifically, but in most states Uninsured Motorist is a required coveage. Maybe you are thinking about some other coverage? Like Uninsured Motorist Property Damage? Contact the FL dept of insurance and they can tell you the required coverages and limits.


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.


If you have an uninsured motorists coverage, then it should.


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


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.


If you have "Uninsured or Underinsured Motorist" coverage on your policy, then your insurance will cover it at no cost to you.


Uninsured motorist property damage coverage is usually not required and sometimes is not offered at all in a particular state. If it is offered in your state you should consider purchasing it. One accident with an uninsured driver can leave you with significant bills to cover your property damage.


It should be, if the signature is not on file to decline coverage, it could be added.



It would be listed on the declarations page, usually after either the section for liability coverage or the section for medical coverage.




Copyright ยฉ 2021 Multiply Media, LLC. All Rights Reserved. The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Multiply.