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What does uninsured vehicle coverage cover?

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Answered 2011-03-30 23:12:31

If you are in an accident and it is the other drivers fault, this coverage will kick in if that party does not have insurance.


While the foregoing is true as far as it goes, it is important to realize that in most contexts, uninsured motorist coverage refers to bodily injury protection and not to physical damage to the vehicle.

In most States, uninsured motorist coverage as defined here is not a required coverage. However, many States do require that insurers selling a customer auto liability coverage offer the customer uninsured motorist coverage in the same amount as the liability coverage. The customer may reject it (thereby lowering the premium). However, if involved in a collision with someone who does not have bodily injury liability coverage, he/she may be without a source of recovery.

Recovery under one's uninsured motorist coverage is similar to recovery under the third-party's liability insurance. That is, the insured has to demonstrate the existence of an injury that reaches any threshold of seriousness that the State law may require. Likewise, the same rules of negligence apply as in a liability claim, which may serve to reduce the insured's recovery. That is, depending upon the negligence theory to which the State adheres, the injured party's right of recovery may be eliminated or reduced according to his/her degree of fault in causing the collision. Examples of the various negligence theories are contributory negligence and comparative negligence.

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If someone dented your car in a parking lot then left would your uninsured motorist insurance cover the damages?

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 ........

What is uninsured vehicle coverage?

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.

Can you use uninsured car insurance towards your car if you don't carry collision?

An Uninsured car has no insurance. Your liability coverage may follow you to it if it is a replacement vehicle but would not cover damage to the uninsured vehicle.

What is UMPD coverage?

Underinsurer or uninsured Property damage coverage pays for damage to your vehicle if another vehicle is at fault for the accident but is uninsured or underinsured.

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.

You have collision insurance is uninsured motorist insurance necessary?

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 are at fault Collision/Comprehensive = Cover damages to your car Uninsured/Under-insured = Injuries to you or your passengers when another vehicle is at fault and does not have insurance or has minimum coverage

Does uninsured motorist coverage cover an uninsured driver of the car in a single car accident?

No. Uninsured motorist coverage protects the owner of the vehicle which is damaged due to the actions of an uninsured driver of another vehicle (or damage caused by a hit-and-run driver). I think what you are asking is known as a 'permissive' driver - someone who was driving another person's vehicle with the owner's permission, but who is not actually named on the policy. The answer to this is 'probably' depending on the insurance company and the provisions of the policy itself, but if provided for would cover them like they were a named insured on the policy.

Does homeowners insurance cover a stolen uninsured vehicle?

No. Homeowners insurance specifically excludes all coverage for any 4-wheeled self propelled vehicle with few named exceptions like a lawn mower. The only coverage that would cover this loss is if you have an auto policy with physical damage coverage on the policy.

What type of insurance will pay for damages if you are the victim of a hit and run?

Uninsured motorists coverage is the coverage that is designed to cover this type of accident. Collision will also cover it if you don't have uninsured motorists coverage on your policy but you may be charged with an accident on your policy. A-Plus answer Comprehensive Coverage.

Will uninsured motorist cover damages caused if the other vehicle is stolen?

Uninsured will not cover this type of accident. Your comprehensive will cover this type of damage.

Is uninsured motor vehicle coverage recommended for every vehicle you own or just one?

My agent told me to just get it for one of the policies on eirther of my two vehicles and it would cover my whole familly no matter the vehicle.

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.

What exactly does Florida uninsured motorist insurance cover?

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

What happens if you are hit by an uninsured teen driver and they are found to be at fault?

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

Can the uninsured motorist coverage in a hit and run accident in California cover the victim?

Yes it can, although it might be subject to your deductible depending on the type of optional coverage you have. Uninsured motorist coverage is nice because it protects you from other drivers who either have no insurance or whose policy limits might be too low to cover damages to you and your vehicle. It is also relatively cheap compared to other optional coverages!

An insured driver is unknowingly driving an uninsured car and has an accident The owner of the uninsured car is injured Who pays for the uninsured owners injuries?

this is tricky, dependant on the state laws...you are driving an uninsured vehicle, you have insurance on another vehicle of your own, you get into an accident that is your fault...the owner of the vehicle is a passenger in the car and is injured...your policy should step in and cover this uninsured vehicle (assuming you have collision coverage on your policy) you chose to drive, (doesn't matter you didn't know it was uninsured) and if your neglience resulted in this passengers injuries your policy will likely pay for their injury subject to any exclusion in the policy.....sorry.....

What does waiver of collision deductible coverage in California for uninsured motorists coverage?

The California Collision Deductible Waiver (CDW) is coverage which waives your collision deductible if you are hit by a negligent uninsured motorist. The CDW option with a personal auto insurance policy in California pays your collision deductible when you carry collision coverage on a vehicle that is damaged by an uninsured or hit-and-run motorist who is at fault. Coverage typically applies only when there is actual physical contact and when you can identify the uninsured driver or vehicle. Some insurance companies will not even talk about the coverage even if it is included in your policy until you bring it to their attention.

Can you get insurance co using the UM PD to pay for hit and run damage when you did not get the license plate and also you are not insured with Comp and Coll coverage?

UM PD (Uninsured Motorist, Property Damage) may not cover hit and run because this coverage kicks in only when the other party causing the accident is legally uninsured. Since there is no evidence that the other party was legally uninsured then coverage is not provided unless the other hit and run vehicle is discovered and is ruled to be legally uninsured at the time of hit and run accident.

Does Liability insurance cover your medical or the person with you in the accident?

Liability covers the other person that you damage. Uninsured and under-insured motorist coverage carries those in your vehicle. Medical payments coverage covers everyone involved regardless of fault.

Why doesn't my state minimum coverage apply to uninsured unlicensed driver for damages to my vehicle?

Talk to your state legislature about this one. The state minimum coverage is designed to eliminate uninsured drivers but it doesn't do that does it. Most states only require that you carry liability coverage so that if you hit someone else then their vehicle and damages are covered but not yours. You are responsible to carry coverage to protect your vehicle, assets, and bodily injury.

What does uninsured motorist coverage mean?

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.

Is it necessary to carry uninsured motorist coverage in Arizona?

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

If you are in an accident with someone whose insurance lapsed but you have full coverage will your insurance cover it?

Yes they will, but you may have to pay a deductable if you do not have uninsured motorist coverage, and you you must have comp & coll coverage.

If I'm retired with good health insurance and no wages to cover should I have uninsured motorist coverage?

Absolutely, unless you are independently wealthy and don't care if your vehicle is a total loss every once in a while. Uninsured motorist fees are very nominal compared to the alternative.

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