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Answered 2014-11-23 02:24:26

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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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.


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 ........


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 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.


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.


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.


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.


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


What happens in California when a insured car with full coverage hits an uninsured car and totaled it?

There's a good chance the insurance company will deny the claim of the person with the uninsured vehicle, as that vehicle isn't supposed to be on the roadway to begin with.


Do you have to purchase full coverage auto insurance in Illinois if your vehicle is paid for?

You do not have to purchase full coverage auto insurance in Illinois if your vehicle is paid for. You do still need Bodily Injury Liability, Property Damage Liability, and Uninsured Motorist coverage.


When leaseing a vehicle would your non-owned insurance coverage come into play on the leased vehicle?

depends on your definition of lease........if you rent a car to go on vacation for a week or so.....that is a ''temp replacement vehicle'' and would be covered.....non owned auto means, you have ins. on your vehicle you borrow mine that is uninsured for whatever reason, or just has liability but your vehicle has 'full coverage' you get in accident driving my uninsured vehicle.....(if no coverage on my vehicle now only)......then your policy will kick in.......a leased vehicle needs to have it's own policy just as if you purchased a new vehicle


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.


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 it mandatory to register an uninsured vehicle sitting in a driveway in Florida?

If the vehicle is not being driven you are not required to have insurance. Many people however, do still carry, comprehensive coverage on the ''parked or garaged'' vehicle. This coverage protects you from theft, weather, fire, vandalism etc.


In a three car pile up who's insurance pays when the third car is uninsured?

This depends on the specific state's laws in which you live. Generally in a pile-up the insurance companies duke it out, and often each goes through his/her own company for coverage, which would leave the uninsured motorist with no coverage for their vehicle. For injuries, depending on fault, you may possibly draw from the uninsured motorist coverage.


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.


Can the driver at fault file a claim to his own insurance for bodily injury under his uninsured motorist portion of his policy if he was driving a friend's vehicle who had no insurance coverage?

No. Insurance follows the vehicle primary, driver secondary. Since the driver is at fault and there is no coverage under the vehicle itself, the drivers policy would pay for any bodily injury or property damage he may have caused. Therefore uninsured motorist coverage would not apply. The only way that driver would have coverage for himself is if he already had Med Pay coverage on his own policy.


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 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.



What happens if you hit an an uninsured motorists and you only have liability?

If the accident is your fault, your liability coverage will pay for the other person's damages. You will be out of luck as no coverage will be afforded for the damages to your vehicle or any injuries to you or your passengers.


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.


An insured driver is driving an uninsured vehicle that they own and have an accident causing property damage. With whom should I seek payment?

Damages should be sought from the at fault party. Failure to add the owned vehicle to the auto insurance policy has left the driver apparantly uninsured in that vehicle. The claimant may need to rely on uninsured motorits coverage. The insurer may offer a grace period for newly acquired vehicles. both drivers should contact their insurance company as it appears one may have no coverage in the accident.


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.


What will happen if you are a passenger in a car that has a severe accident and you are severly injured The car is uninsured and the driver who doesn't own the car is uninsured?

If there was another vehicle involved and the accident was that driver's fault you can file a claim through their insurance. Otherwise, the only other place to go is through your insurance. You can use your medical coverage (if you have it) and you should have "uninsured motorist bodily injury" coverage that you can use.


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