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What is uninsured insurance?


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Answered 2010-03-05 17:19:16

In auto insurance, 'uninsured insurance' refers to a type of coverage for accidents caused by a motorist without insurance or hit-and-run accidents in which the driver who caused the wreck cannot be identified. In other words, your insurance may cover the cost of damage to your car, medical expenses, and other expenses.

http://www.superpages.com/supertips/what-is-uninsured-or-underinsured-motorist-coverage.html

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What is uninsured motors insurance?

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.


Does uninsured auto insurance cover property damage?

If you are uninsured then of course not.


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.


What does it mean to be Uninsured?

It mean that you "do not" have insurance.


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.


Who has the best Virginia uninsured motorist insurance?

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.


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.


Who is considered an uninsured motorist?

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


Will insurance cover my car damage if I loaned my car to an unlicensed and uninsured driver?

My insurance canceled uninsured person hits someone in rear what happens to me


What is an uninsured motorist endorsement?

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


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.



Which insurance company offer the lowest rate for uninsured motorist insurance?

If you are wondering which insurance company offers the lowest rate for uninsured motorist insurance because your neighbor is planning to move to Ohio, then you should try Geico.


Do they sell insurance for uninsured motorists in Illinois?

Yes, you can get insurance if you are an uninsured motorist in Illinois. You can look into local agencies or go online and check with nationwide companies.


What happens if there is an autombile accident with a motorcycle and you have insurance but the other motorcyclist does not have a license or registration?

Same as if it where 2 cars. The uninsured driver will be sited and then your insurance will pay for the repairs and try and collect from the uninsured driver, if you have uninsured or underinsured coverage, if not you can take the uninsured driver to small claims court.


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.


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.


How long must one stay uninsured before it will be cheaper to buy insurance?

To my knowledge, the longer one stays uninsured, the more expensive insurance coverage will be when purchased.


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.


What is the opposite of insurance?

There is no opposite except a lack of insurance.The opposite adjective of insured is uninsured.


What happens to the owner of a car that gets into an accident with someone else driving there uninsured car?

They will have to take the uninsured driver to court. Or if you have uninsured driver policy with your insurance, they will pay it.


Does Virginia's Uninsured Motorist Insurance cover me or the people who are uninsured?

You would have to ask the Insurance brokers who handle that chapter. Inquire to your brand and determine whether or not the case is applicable or void.


Is insurance for uninsured motorists available in the state of Pennsylvania?

Yes insurance is available for uninsured motorists in Pennsylvania. I recommend Allstate Insurance Company. It is widely known and they offer great insurance to almost everybody at affordable prices. You can check out their site at allstateinsurance.com.


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.


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