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Answered 2014-06-18 21:18:23

An uninsured motorist endorsement is an added insurance policy for motorists. It covers injuries that have resulted from a collision by an uninsured driver.

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Anyone without valid auto insurance that is driving is an uninsured motorist.


If you have automobile insurance with an uninsured motorist property damage endorsement it covers damage to your car caused by an uninsured motorist. If you have collision coverage the endorsement will pay your deductible. If you don't have collision coverage the endorsement will pay for damages up to a set amount, typically $3500. Before it will pay it has to be determined that the other party was at fault and that they have no insurance. In the case of a hit and run driver it wouldn't pay because it would not be possible to determine whether or not they had insurance.


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


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


states like washington, newjersey, neyork, pensilvania, virginia, offers uninsured motorist


Uninsured MotoristUninsured motorist is pretty much insurance where if someone hits you and they lack auto insurance, your insurer will still pay damages for your car.


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.


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.


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.


No. The state is not responsible for the accident or the driver. You can file suit against the uninsured motorist.


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


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 ........



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.


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


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.


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


The company that has accepted and is handling the uninsured motorist claim.


The best Virginia uninsured motorist insurance is probably the one offered by Triple A Auto Insurance of the one offered by Farmer's auto insurance or Geico.


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.


That's what Uninsured and Underinsured motorist coverage is for. You have that on your insurance policy. I have been in this situation. The first thing you do is talk to your insurance company. Tell them about the accident and how it is their fault. It is better if you provide proof like police report or written statements, but if not, it depends on how your insurance company rules it. From there, your insurance company should tell you what your options are. Most likely, they would go after the uninsured motorist and make them pay. You don't even need to deal with the uninsured motorist.


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.


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.


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.


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



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