Who pays the medical bill if you are involved in an accident where the at fault party is uninsured and you don't have uninsured motorist coverage but you do have medical insurance?
This is a great question. My husband was hit by a car while on his motorcycle last June. He DID NOT have uninsured motorist on his bike and the woman had no insurance at all, so unfortunately we could not go after her for any money. He was in the hospital for one month, 8 surgeries and is still unable to walk like he used to and may never be able to. He lives in constant pain and because we did not have uninsured motorist coverage on the bike, we are at a loss. However, I am attempting to use my auto insurance to try to recoup some money. My husband's health insur. paid the hospital bill of over $300.000.00, but now has a lien on my home for the remaining balance of $165,000.00. My attorney is in negotiations to get that waived. We did recoup $25,000.00 from the owner of the car she was driving's insurance, but Blue Cross is taking that, we do not get a penney. My attorney never advised me to use my medical coverage of my insurance, so I don't know if that could help or not. Maybe I'll try that route too!! Hope I've been of some help. Check your auto insurance policy to see if you have medical payments that will pay your medical expense up to $ amount. If you do, then your insurance company will pay up to the $ amount. Or, if you do not have auto medical insurance, have your regular medical insurance pay. The person at fault needs to pay your bill. You need to take him to court and have his wages garnished for your bills. If that is not a possibility for you, then your medical insurance should cover it.
Also, check with your insurance agent regarding the extra medical coverage you may have purchased along with your auto insurance policy. Most have some.
Also, check with your insurance agent regarding the extra medical coverage you may have purchased along with your auto insurance policy. Most have some.
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What are the definitions for liability insurance medical payments insurance uninsured motorist comprehensive and collision for auto insurance?
Answer . Liability insurance: The coverage found on any auto policy that handles damage you cause to another person's property, either directly or indirectly with your car.. Medical Payments Insurance: Can be either Medpay or PIP. PIP -- or "personal injury protection -- is required in many stat…es, and essentially handles your medical bills in an auto accident, regardless of who is at fault. (summary:will re-attach your fingers if chopped off in a accident). Uninsured Motorist: Can be for either property damage or bodily injury, and essentially makes your carrier step in when the at-fault party is either uninsured or doesn't have enough coverage to handle all your damages. Most people have UMBI (for bodily injury), and mistakenly believe it covers property damage to their cars as well. It doesn't. (summary:will pay for your loss of income as you are an architect whos fingers were cut off and had to miss work for two months while in physical therapy). Comprehensive: A voluntary coverage that, along with collision, constitutes "full coverage" on a vehicle. This is for "non-collision" type accidents, even when you collide with an animal. Essentially, it's to protect your car when you aren't at-fault for a loss. Includes coverage for hail, flooding, etc.. Collision: Another voluntary coverage, which handles collisions or overturns involving your vehicle. This is triggered whether you're at-fault or not for a loss, in that it's specific to your vehicle colliding with another object or overturning. ( Full Answer )
Of course. Do you think that NO ONE ever drives without insurance? Be covered and be protected against financial ruin. If you are a person who rarely carries passengers and you have good health insurance (which would cover any injuries you might incur in an accident anyway) why do you need to carry …uninsured motorist coverage (which only covers bodily injury, not damage to your veh)? . You don't. In addition, in Florida you are required to have PIP (usually $10,000 worth of coverage) anyway, so you end up with like triple coverage if you have a good medical policy, PIP and Uninsured Motorist coverage. MOST MEDICAL HEALTH ONLY PAYS A LIMITED PT, WHAT IF YOU NEED A NURSE TO TAKE CARE OF YOU OR FAMILY MEMEBER? YOUR MEDICAL HEALTH DOES NOT PAY FOR THAT. Contrary to what is written above, you need uninsured motorist coverage for the simple fact that it also provides for lost wages. If the accident causes you to miss time from work, how are you going to recoup those wages? Does your health insurance provide that coverage? Nope. Uninsured motorist also provides a pain and suffering benefit. If the person who hit you doesn't have the money to pay for insurance, how much money do you think you'll be able to get from them for pain and suffering? Nada. Get it- you need it. No, it is not necessary. Anyone who says you should have it without enquiring about how this might be duplicated because of other insurance coverage or job benefits is just a salesman. Each situation is different. As a general rule, however, if you have good health insurance you don't NEED this insurance. ( Full Answer )
If you had an accident that was your fault you have uninsured motorist coverage the other driver was uninsured do you have to pay all the costs?
The at fault driver is responsible regardless of who has or does not have insurance. You were at fault, you get the bill. Fortunately though you have insurance. So they get the bill.
If a pedestrian is found at fault in an accident involving a car and pedestrian which insurance would pay the medical bills - the auto insurance or the pedestrian's health insurance?
\n. \nSince Pedestrians always have the Right of Way, It is very rare if not impossible to find them at fault unless fraud or gross negligence can be established. Traditionally The drivers liability insurance will pay their medical bills.\n. \n Answer \n. \nIt depends on your state's laws, bu…t typically -- and strangely enough -- you'll find that the auto insurance will cover the pedestrian's medical bills. On the other hand, if your state doesn't require you to carry medical coverage (either Medpay or PIP) on your car insurance, the pedestrian might have to go to his or her health carrier.\n. \nThe reasoning behind this is that, despite liability, it's against public policy to not cover the medical bills of a pedestrian hit by an automobile. If auto insurance didn't pick up those bills, it would have a cascade effect on all the medical providers and vendors who attended the pedestrian. ( Full Answer )
Does the other insurance company have to pay for all medical bills if the accident was their client's fault?
Depends on what state you are in and what your state's laws are. If you're in a no fault state, your insurance will pay for all of your medical bills no matter who is at fault.
If an insured motorist hits an uninsured vehicle and the insured motorist claims it is their fault who will pay for the uninsured vehicle?
regardless of whom is insured or not, the 'negligent' or liable party is responsible for the damage or 'to make whole' the injured (this means damage to vehicle as well) party........ i think the insured should pay since it was there fault
If you have uninsured motorist insurance are in an accident and its you fault other driver has no insurance or drivers license can you get your car fixed if you only have liability insurance?
Answer . As a broker, I can tell you NO, there is no coverage if you are at fault. Now if you are only partially at fault, example, 50%, and it's proven, there may be coverage under your carrier. I'm in Canada where things are a bit different but it wouldn't hurt you to try right?
If you are involved in an accident that is your own fault with an uninsured driver can the uninsured driver and its passengers claim on your insurance although clearly they have broken the law?
Answer . Yes they can. They can also sue you in a civil case. Remember, a major reason for having the insurance is to financially protect others from your wrong doing.
Answer . I had this happen to me and I called my insurance company to ask this question. They told me they will not answer the question. I must file a claim if I want to get an answer. Nice huh?
Involved in a not-at-fault accident is it your fault or the owner's for driving their uninsured car if you thought it was insured?
Ultimately, the driver is responsible for everything that that is caused by or contributed to while the driver is in the vehicle. Lights don't work? Drivers fault. Not insured? Drivers fault. Answer If you drive a car that is not insured you can be ticketed for that. If you were not at fault in t…he accident then hopefully the other driver had insurance otherwise the damage to your friends car will have to be paid out of pocket. If that were the case then you could attempt to take the at fault driver to court. It is the responsibility of the owner of the vehicle to have the vehicle insured. Answer The law clearly states that it is the driver's resposibility to make sure that the vehicle he/she is driving is properly insured and there are no acceptions, you will be ticketed. ( Full Answer )
Is your full coverage insurance still in force even though you were cited for expired plates and involved in accident that was an uninsured driver's fault?
Answer . Depends On How Strict Your Insurance Company Is, Also How Long Were The Plates Expired. But From Your Info Sounds Like You Should Be OK. Do Hope This Helps
Who pays the medical bills for passengers who are involved in an accident where the at fault party is uninsured and you don't have uninsured motori?
Each person is responsible for their own medical expenses. Eachinjured person can bring suit against the person who is at faulteven though they did not have insurance. They are still theresponsible party whether or not they had insurance. Good Luckthough.
Should be turned into the company that is handling the uninsured motorist claim, (generally company that insured the 'insured' vehicle), they will most typcially wait to pay these bills until settlement is reached. If that didn't answer you question please expand it.
If an insured motorist is at fault and hits an unisured motorist will the insured motorists insurance company pay the expenses of the uninsured person?
Yes, this is because as you stated, the insured driver was at fault. The at fault driver is responsible regardless of the insured status of the person they hit.. A good rule of thunb is this,, If they had insurance would I be responsible If the answer is Yes, then the answer is still Yes
Uninsured motorist Uninsured 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 motori…st 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. ( Full Answer )
Answer . 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 limit…s. ( Full Answer )
If you are an insured motorist and get hit by an uninsured motorist should you use your job's personal medical insurance or your auto insurance or both?
Answer . More than likely, you will begin by using your personal medical insurance. Medical expenses and lost wages can possibly be reimbursed through the uninsured motorists coverage. Uninsured/Underinsured coverage laws vary by state. Contact your insurance agent for a full explanation of h…ow this coverage would work on your policy. ( Full Answer )
Yes, they can. When you enrolled in the health plan and when you submitted the claim, you agreed to allow them to recoup money from any responsible party. It does not matter whether the responsible party was insured or uninsured; if they paid, the health plan has the right to recoup the money it pai…d for your care. ( Full Answer )
You were an uninsured driver in a car accident in Missouri The other driver had uninsured motorist coverage but now you are being called by his insurance company requesting payment you have no money a?
yes the insurance company will come after you to pay the bill they used in fixing their driver's car. the point i do not know is that, are you responsible to pay the deductible or pay the total, what are this insurance people for anyways, they only make money they do not spend money... try talk to a…nd insurance agency and see if you are to pay a percentage of the money or all. ( Full Answer )
If someone who is uninsured is hit by a car what do they have to do to get the drivers insurance to pay for the medical care?
You may be ticketed due to lack of insurance, but you are NOT automatically at fault. The problem is you have no one to fight for your rights -- no insurance company to go after theirs. You're probably going to have to hire a lawyer unless their insurance company will act responsibly (rare, but it h…appens).. First, contact the other party's insurance company and ask them about taking care of the claim -- how many estimates they need, preferred repair shops in your area, etc. Do NOT mention you don't have insurance, esp. if you have the accident report and they are clearly at fault. Chances are they already know you don't have insurance, but don't volunteer information, either.. If they won't process a claim, send a letter via certified mail with a copy of the accident report to the insurance company outlining your loss ($800.00 for repairs, etc). If you do not hear from them within a week, it's time to contact a lawyer. You shouldn't have any problem finding a competent one -- but be aware, most are going after larger claims that will cover their costs, too, not a $1000 or $2000 repair job . If you are injured, you have a right to compensation, so don't feel guilty about seeking legal help. But if this is a small amount, you may spend more on attorney's fees than it would cost to repair. One other recourse you have is to work with your State Insurance Commission if the insurance company is uncooperative, possibly a local or state-level comsumer advocacy group, too.. Good luck! ( Full Answer )
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.
Depending on the type of accident and sometimes who is responsible but generally yes.. Please, next time, read the fine print of your contract.
They always say you never need insurance until you have not got it! Insurance covers your risks, each person develops their own view regarding what risks are acceptable and what risks need doing something about. It is up to you to decide if you need uninsured driver cover. But if you decide not t…o take it and get hit by an uninsured driver, the only person to moan at (apart form the criminal uninsured driver) is yourself!. ( Full Answer )
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 fromunderinsured motorists. Otherwise, the motorist will pay for it whodoesn't have insurance if they have any money.
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.
Unfortunately, yes. Although the laws require every motorist to have adequate insurance coverage in order to register their vehicles, some will do just that and once they receive their current vehicle license, drop the insurance simply because they cannot afford it and eat, too. You should also g…et "under-insured" motorist coverage too ... some may have the absolute minimal insurance that simply will not cover enough of the expenses that are incurred by accident victims. ( Full Answer )
Because there are many people who are driving without insurance coverage in our nation. Far more than you realize. It is a stupid and reckless crime but it happens all the time. If you do not have uninsured motorist coverage you will be on your own to try and collect your damages from someone who ha…s chosen not to pay for legally required insurance. How well do you think you will do on collecting from this type of person. Plus the insurance company pays for the legal fees involved in getting judgements and collection. ( Full Answer )
What is the benefit of having uninsured motorist coverage and medical payments on your auto insurance policy?
The benefit of having uninsured/underinsured motorist coverage is that almost 20% of us drive around with no insurance. There's also a good percentage of high risk drivers with minimum coverage running around. That's quite a pool of drivers we're up against every day. You want to be able to cover yo…ur losses if you are involved in an accident with someone like that.. As far as having medical payments--this protects you and whoever you have in your car for medical coverage. If you don't have health coverage, it's a biggie. Medical coverage also protects you if you are walking and get hit by a car. ( Full Answer )
Uninsured Motorists 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. ( Full Answer )
Uninsured motorist covers you in the case you are in an accidentwith another driver that does not have insurance. Comprehensivecoverage is what will pay when you hit a deer.
Uninsured motorist coverage is a type of first-party auto insurance that compensates one if he/she is injured in a collision due to the negligence of someone else who does not have bodily injury liability coverage. Essentially, it pays the same sort of damages as the at-fault party's bodily injury l…iability coverage would have paid if it existed. It only pays for compensable bodily injuries--not property damage. In many States, uninsured motorist coverage must be offered in the same amount as one's liability coverage. However, the insured usually has the right to select lower limits or reject it altogether. ( Full Answer )
If you an uninsured motorist were involved in an accident that wasn't my fault will the guilty party's insurance pay for a rental car for you?
Your question is confusing. The way I read it, the one that caused the accident was uninsured, so how can that person's insurance company pay for your rental car? He has no insurance company.
\n. \n. I some states yes but just a few. I ma speaking on the commercial policy side. \n. Each statute addresses trailers generally clearly. Most are clear it does not apply to trailers. Some states charge a very low % charge such as 15% of the liab. prem. \n. New Mexico used to require it o…n trailers but in 2011 changed the statute where no charge is made for trailers. \n. \n. Barry Quillin CPCU ( Full Answer )
Where is the limit of insurance company liability for uninsured motorist coverage listed in the policy?
It would be listed on your declaration page which is mailed to you at each renewal period. Listed first would be your Bodily Injury limits and under that would be your uninsured/underinsured liability if you have it.
Rear end accident not at fault party can the insurance company of the at fault party legally deny to pay any medical bills until claim is settled?
It's been my experience the answer is yes. We also were rear ended, the other party was completely and totally at fault. This caused me to have to get a lawyer as the insurance company was not paying the medical bills that were accumulating which I would have ultimately been responsible for. The Dr'…s were not interested in treating as well because they weren't getting paid. Having a lawyer guarantee's that the Dr's will be paid, you will get the treatment you need and you will not be responsible for the expensive medical bills. It also simplifies the billing process. If you receive a bill at home put it in the mail it goes to the lawyer. You will not have to spend hours on the phone trying to figure out who is billing who or lose sleep over whether or not you would have to be responsible for the huge expenses. The insurance company won't pay out until you have a medical release, but how are you going to get a medical release if they won't pay for the treatment. Makes no sense. ( Full Answer )
It's just auto Insurance. If you purchased coverage for uninsured motorists coverage option then yes you will be covered.
Yes it can, although it might be subject to your deductible depending on the type of optional coverage you have. Uninsured motorist coverage is nice because it protects you from other drivers who either have no insurance or whose policy limits might be too low to cover damages to you and your vehi…cle. It is also relatively cheap compared to other optional coverages! ( Full Answer )
Am I considered an uninsured motorist If I am driving my son's car which is fully insured and driving with permission but I do not have insurance and at fault in an accident?
No. The car is insured and your son's policy will provide coverage up to its policy limits.
If you have medical insurance, Uninsured Motorist coverage is NOT important. Your medical insurance will already pay your medical bills. The only people that recommend this coverage are lawyers, insurance agents, and insurance associations. That is because they make money off of selling it to you. T…hey will point out that this coverage also pays for lost wages and pain and suffering. That may be true, however many people have disability insurance through their employer. And do your really need insurance to protect you against pain and suffering? Do you carry insurance for pain and suffering caused by other things? (such as the death of a loved one?).. Then why would you pay for pain and suffering insurance in this case? And another thing, in order to collect anything under this coverage, you will NEED a lawyer. This is because in order to collect from your insurance, you must first sue the other driver, obtain a legal judgment against them, and then prove to the insurance company that the driver can not pay. In short, they make you jump through hoops in order to collect anything. So conclusion: this coverage is not important at all. Put the money towards medical insurance and disability insurance if you don't already have them because they are MUCH more important, and skip this coverage. Answer Reasonable minds might differ on this answer, and I adamantly beg to do so. First of all, many people do not have health or disability insurance for any number of reasons. One of the prime reasons for not having health insurance is the existence of a pre-existing which can preclude coverage, at least for a period of time. If a collision occurs in the interim and the individual is injured, they are out of luck. In contrast, there is no limitation on the availability of uninsured motorist coverage. As to disability insurance, the employers that offer it usually limit it to short-term disability coverage (such as 90-120 days); and individual disability policies are normally quite costly. Second, health insurance policies are subject to deductibles and co-payments. A deductible is the amount of expense that has to be incurred before the insurer's obligation to pay is triggered. A co-payment is that percentage of a covered expense that the insured bears responsibility for. For example, an 80/20 policy means that the insurer pays 80% of the covered expense, and the insured pays 20%. Although this general rule may differ when coverage is provided by a health maintenance organization, it is the rule with respect to more customary health insurance coverage. Likewise, a disability policy normally has an "elimination period". This is conceptually similar to a deductible, but measured in time rather than the amount of medical expense incurred. Third, and as suggested in the first answer, health insurance does not pay for lost wages or pain and suffering, which can be major elements of a claim from an auto collision. While attorneys representing injured people do get a portion of the recovery as part of a contingent fee, it is pure cynicism to suggest that as a valid reason to reject uninsured motorist coverage. If one is out of work for an extended period, living expenses continue to accrue and there must be a way to pay them. While Personal Injury Protection coverage ("no-fault" insurance) provides some benefits, those benefits are limited. Furthermore, if the injured person sustains a disablement that prevents him/her from working (at all or at the same level of earnings), uninsured motorist coverage may compensate for that loss extrapolated over the remaining life of the injured person. In sum, uninsured motorist coverage is personal risk management tool. It protects against injuries sustained by innocent (non-negligent) parties who are injured by the carelessness of persons who do not have liability coverage. It is well worth the expense. And no, I am not a personal injury lawyer. ( Full Answer )
Uninsured motorist coverage is usually listed in ways such as 10/20, 25/50, etc. That means $10,000 per person, $20,000 max per accident. This coverage is for each vehicle on the policy. If you stack the coverage and have 2 cars, you can collect the coverage from both vehicles on your policy if you …have a claim (therefore doubling your coverage--$20,000 per person/$40,000 per accident). If you have 3 cars, you collect from all three vehicles (tripling coverage). Unstacked means separate and you only collect from the vehicle you are in at the time of the accident. Stacked coverage is more expensive, but is a great way to get additional coverage for a relatively small increase in premium. If you only have one car--you want to choose unstacked. Otherwise you pay more with no additional benefit ( Full Answer )
Will your uninsured motorist coverage cover an accident from an at fault unlicensed uninsured driver?
Yes. The initial trigger for entitlement to uninsured motorist benefits is involvement and injury in a motor vehicle collision with an uninsured motorist. According to state law, there may be other requirements as well (such as the existence of a permanent injury or significant scarring), but lack o…f insurance by the adverse party is the first requirement. Note also that, again depending upon state law, if you as the injured party negligently caused or contributed to the collision, your recovery may be reduced accordingly. ( Full Answer )
The only states that I have found that make it mandatory for the insurer to provide this coverage are Pennsylvania, Illinois, Maryland and New York. That list may be incomplete and the minimum coverage amounts aren't shown for those states. Regardless of whether your state requires it or not, I c…an't emphasize how important this coveage is and why EVERY driver should have it! Current figures show that as many as 18% of all U.S. drivers are uninsured! Up to another 40% only carry the minimum liability limits required in their state. Using Tennessee as an example, they require 25/50/10 minimum limits. That means Bodily Injury Liability of $25k per person up to a maximum of $50k per accident and Property Damage of $10k per accident. A driver with these limits runs a red light and t-bones you in an intersection at 40mph or so. You are driving and have a passenger in the front seat and another passenger sitting in the back seat on the passenger side. The side-impact occurs on the passenger side and both of your passengers sustatin extensive injuries and they are quickly air-lifted to the nearest spinal center. You are treated for a broken arm, cuts, bruises, flying glass and burns from the side and frontal airbags as they deployed. You are taken the local E/R for treatment. Your brand new $42k Volvo S60 is total loss. Both of your passengers will require extensive treatment, rehabilitaiton and will be unable to work for several months. That is after they they undergo surgery to remove the damaged discs in their cervical spine. Total cost for their injuries- $220k, at the low end. Your own injuries will cost over $30k, so Bodily Injury expenses are now at $250k or more. Your car is scrap metal but a loan balance of $42k is still has to be paid off. The other driver's insurer will pay $50k for BI and $10k PD, so you need $200k more to cover medical bills and $32k more to pay off the loan to the bank! Six out of 10 drivers could put your into this situation! I live in Georgia and the state requires the same 25/50 BI as TN but increases the Property Damage to $25k. You would still be in a very bad situation financially and legally in this state. Some states have even lower limits than these. Thank goodness you can purchase coverage called Uninsured Motorist and Underiunsured Motorist! Some states separate them and you must select UM and UIM Bodily Injury AND UM and UIM Property Damage to be properly covered. As the names would imply, Uninsured Motorist pays if a driver hits you with NO coverage. Underinsured coverage kicks in when they DO have state minimum or greater liability coverage but the damage exceeds their maximum limits. Most states, Georgia included, make it simpler and sell UM/UIM as combined coverage. Personally, I carry 500/500/100 in Liability and 250/500/50 in UM/UIM. My annual premium for the UM/UIM is $37.69 (for 250/500/50)- less $ than a tank of gas for $500k of protection for me and my passengers. ( Full Answer )
Who pays the medical bills if you are involved in an auto accident where the at fault party has insurance and i was a passenger in car that was hit?
Most states require auto owners to maintain "no-fault" coverage; it is sometimes referred to as "Personal Injury Protection". It is a first-party coverage, which means that one maintains it for their own benefit. No-fault coverage pays a percentage of the medical expenses and lost wages sustained b…y an injured part in an auto collision, and benefits are payable irrespective of fault. That is, your own coverage pays benefits even if you caused the collision. Depending upon the state in which the policy is issues, a deductible of some amount may be allowed. A deductible is the amount which the insured is responsible for paying before insurance benefits are triggered. A similar coverage, which pays over and above no-fault is called "medical payments" coverage. An additional premium is charged for this because it is an optional coverage. It also is a first-party coverage which pays irrespective of fault. ( Full Answer )
I have several companies that don't ask health questions or care what your past is
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. ( Full Answer )
No. You coverages that apply is what you had at the date and time of loss.
I believe the correct answer for the UIM insurance is optional in most states and not a requirement. this is to cover damages to vehichle and person in the incident of a collision which is not ruled as your fault, when the other driver is at fualt. As for good advice it should be carried on all your… policies to protect you from having claims against your normal insurance coverage in such cases where you are not at fault. In the state of Florida it might be a requiem since there are a large number of unisured motorist in existance there. ( Full Answer )
"Stacked" refers to uninsured motorist coverage, not to liability or physical damage coverage. In essence, if there are two cars in a household, both with insured motorist coverage, the uninsured motorist limits of the cars can be "stacked"--added together. Naturally, this will only make a differenc…e if the severity of the injury and the clarity of the liability is such as to warrant that size of a payment to the insured. Keep in mind that the assessment of damages by an insurer in an uninsured motorist claim is similar to that done by a liability insurer in a third-party claim. Note also that some states have "anti-stacking" statutes which prohibit the stacking of ininsured motorist limits. ( Full Answer )
Will your insurance pay for the damages in an at fault accident even if the driver of your car is uninsured in your policy?
The real answer is that you should talk to your insurance agent,because laws vary from location to location. However, in most states, what's being insured is the car ,not the driver . If you give permission to someone to driveyour car and they get in an accident and it's their fault, usuallyyour …insurance company is going to be primarily liable for thedamages. Your insurance company will probably pay (up to the limitsof your coverage, at least), and raise your insurance rates. Even if you didn't explicitly give permission, in mostjurisdictions permission is assumed if the driver was a friend orfamily member. If you did not give them permission, you're probablygoing to be asked to throw them under the bus and testify that they stole your car. One complicating factor is that while what's insured is the car,the rates are set partially based on the car (some carscost more to fix, so will have higher comprehensive and uninsuredmotorist rates) and partly based on the drivers' records (highercollision rates). If there's a driver in your household with a poordriving record, you may get a cheaper rate by promising theinsurance company "Oh, no, he's not going to drive this car, he's going to drive a different car insured by some otherinsurer, so you don't have to worry about his driving record." If you live in a state that allows you to exclude drivers from yourpolicy, and the driver was a person that you specifically excluded,your insurance company might be allowed to say "Hey, you said CrashBandicoot here was not going to be driving yourcar, and lo and behold, he did drive your car, liar liarpants on fire, you pay for this, buddy." They maynot be allowed to wriggle off the hook entirely, but they probablywill at least be allowed to use drastically reduced coverageamounts, leaving a large bill for you to deal with. Crash'sinsurance (if he has any) may, or may not, kick in. ( Full Answer )
What if your driving a friends uninsured vehicle with them and have and accident with another uninsured vehicle but you do have uninsure motorist insurance on your own car who insurance is responsible?
Since you are the only person with insurance it would be yourinsurance that pays, if your policy says this situation is covered.It depends on your insurance policy. Some cover you, others don't