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Answered 2011-05-23 14:09:28

Uninsured motorist coverage

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Liability insurance for drivers is a requirement in the state of Mississippi. The other party involved in this accident does not have insurance. I do have liability insurance. The accident was not reported although law enforcement was called and an accident report was completed. The other party now wants me to fix her automobile. What are my rights in this situation?


Pip is a package that you can purchase with your existing car insurance that will cover the cost in case you get into a accident. It covers medical, hospital and funeral costs for you and/or the other person involved in the accident.


After an accident, all parties involved with the accident should exchange insurance information. Typically, the insurance companies will talk to each other about repairs and cost.



No way! Do you have insurance? Does the other person? Who's fault? trade insurance info with the other person.


This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.


If there is no other vehicle involved in the accident, then the only person who can be at fault is the underage driver.


There is nothing much you can do if you are involved in accident with an uninsured car. There are reason why the other person do not get insurance as it could be because of his economic problems. A recent study showed that there are huge number of people in US who do not contain their auto or car insurance.


Let your insurance company know everything that you know about the accident and about what the other person's insurance company has proposed, and then let your insurance company handle the rest. If the other person was 100% at fault for the accident, your insurance company has a very powerful incentive to reject the counter-party settlement offer of a 50/50 split. Let your insurance company know everything that you know about the accident and about what the other person's insurance company has proposed, and then let your insurance company handle the rest. If the other person was 100% at fault for the accident, your insurance company has a very powerful incentive to reject the counter-party settlement offer of a 50/50 split.


Yes, If the accident was your fault, then it is your fault. Whether or not they have insurance has nothing to do with who's at fault, or who actually caused the accident.


Only if you have Uninsured or Under-insured motorists coverage. If so, your insurance company will pay the damages and will legally pursue the other party to recover the funds.


Third party insurance only covers the property of the other person(s) involved in an accident, not your car. Full coverage insurance (or comprehensive insurance) also covers your car if you damage it.


It is never a good idea to drive without insurance as there are costly penalties if one is caught or involved in an accident. If one is in an accident without auto insurance, their options are limited but they may be able to sue the other driver if they are at fault.


There is more than one answer to this question. Because you did not state who was at fault in the accident. If the other driver was at fault, it is that person or their insurance company that is responsible for the repairs on your car. If it is the friends fault, then it is the friend that is responsible. Even if the friend did or did not know you had did not have insurance.


It's up to you. In some ways it would be a good thing in case the person is involved in an accident. On the other hand, it may cost you a friend. MyInsuranceXpert


They can sue you. If you have no money in the bank or no assets (a home, vehicle, valuables), then it won't do the other person any good. It will be nearly impossible to get insurance now that you have an accident on your record without coverage (big no no). In the mean time, hopefully the other person has insurance to cover themselves against people who are uninsured in an accident.


The first step for filling a motor accident claim is contacting your insurance company. The other person in the accident also needs to contact their insurance company.


Your insurance information and contact information would suffice.


if your accident is severe enough and the other person is underinsured - then you could collect from their insurance (must be their policy limits) and your insurance under the "underinsured coverage" or UIM - Underinsured motorist


This depends on many factors, including the ability of the other person to pay for your damages. Some insurance policies will not require you to pay a deductible. Others will. If the other person can pay for the damages, you and your insurance will not have to pay.


Always call your insurance carrier if you have been involved in a car accident. You may also need the advice of a good personal injury attorney if you have specific questions regarding your accident claim. You are under no obligation to speak directly with any other insurance company that may be involved in your claim other than to offer basic information. Unfortunately many insurance handlers are taught ways to coerce claimants into admitting guilt in an accident. They also record the conversations they have with claimants.


A person needs personal accident insurance if they are young. It fills in a gap that other insurance doesn't cover from minor to major accidents. For instance a singer may lose their voice thereby losing their income.


== == If no other vehicles were involved in this accident, the insurance company of the motorcycle driver has to cover the medical bills of the passenger who was injured.


If you and your vehicle are in an accident, be sure to exchange phone numbers and addresses, as well as insurance, with the other party involved in the accident. Also, be sure that the police are notified of the accident.


The insurance company is not going to force anyone to pay for damages to a car. The person that was driving the car and or the owner of that car that caused the accident is liable for the damages to the other vehicles involved in the accident. If there is insurance coverage for that damage then the insurance company will pay. However if the driver of the at fault vehicle is excluded from the insurance policy then the insurance company may be relieved from it's responsibility to pay on behalf of the owner of the vehicle.



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