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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.
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∙ 12y ago
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What is Uninsured motorist protection?
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.
Is uninsured motorist property damage necessary if I have comprehensive and collision coverage?
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.
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 do you do when an Uninsured driver hits an insured driver on private property?
The insured drivers uninsured motorist coverage should take care of it. Doesn't matter if property is private or not.
How do you Waive uninsured motorist coverage in FL?
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.
Who is considered an uninsured motorist?
Anyone without valid auto insurance that is driving is an uninsured motorist.
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.
Do you have to pay the deductible when your car is damaged by a hit and run driver if you don't have uninsured motorist coverage?
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.
What is covered as full coverage?
Full coverage would be Bodily injury/Property damage/ Uninsured motorist/ Comp/and Collison, plus I would add Underinsured motorist. Liabilty is for bodily injury and property damage.
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.
What states offer uninsured motorist insurance?
states like washington, newjersey, neyork, pensilvania, virginia, offers uninsured motorist
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.
