Why get uninsured motorist insurance?
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 has 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.
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. Read More
An uninsured motorist endorsement is an added insurance policy for motorists. It covers injuries that have resulted from a collision by an uninsured driver. Read More
Uninsured Motorist Uninsured motorist is pretty much insurance where if someone hits you and they lack auto insurance, your insurer will still pay damages for your car. Read More
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. Read More
Yes as long as your policy has uninsured motorist coverage on your policy. Read More
If you have uninsured motorist coverage let your insurance company settle with you then recover from the motorist in court. If you don't you will have to take the motorist to court yourself. Your insurance company is far better equipped for this than you are. Read More
That's what Uninsured and Underinsured motorist coverage is for. You have that on your insurance policy. I have been in this situation. The first thing you do is talk to your insurance company. Tell them about the accident and how it is their fault. It is better if you provide proof like police report or written statements, but if not, it depends on how your insurance company rules it. From there, your insurance company should… Read More
It doesn't matter what we say here. Ask your insurance company! Read More
Usually an uninsured motorist accident is not chargeable against insured in any way. Your rates should not be effected at all with most insurance companies. Read More
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. Read More
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. Read More
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. Read More
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. Read More
If you have an uninsured motorists coverage, then it should. Read More
Uninsured Motorist coverage Read More
What kind of insurance pays for a car accident you are in if the other person involved has no insurance?
Uninsured motorist coverage Read More
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. Read More
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 Read More
It's just auto Insurance. If you purchased coverage for uninsured motorists coverage option then yes you will be covered. Read More
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. Read More
If you have "Uninsured or Underinsured Motorist" coverage on your policy, then your insurance will cover it at no cost to you. Read More
I hope you had insurance for this. The uninsured motorist will probably be broke Read More
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 ........ Read More
No according to the law (which may be different from state to state) The uninsured motorist is always at fault Read More
I believe you can get liability and perhaps uninsured motorist insurance without owning a car. Read More
In most states you can purchase under-insured motorist or uninsured motorist coverage that will kick in when the other parties insurance is depleted. Read More
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. Read More
If you have uninsured motorist coverage on your own insurance policy, your insurance will assist you. Often, your insurance will pay your damages and then it will file a civil suit against the other driver to get reimbursed. Also, you can sue the driver individually for the damage. However, many people who are uninsured are in that position because they can't afford insurance, and therefore you may get a judgment that the defendant cannot or… Read More
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. Read More
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?
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 how this coverage would work on your policy. Read More
Do receive a point on your record if you get hit by an uninsured motorist and claim the damages with your insurance company in California?
No, you will not receive a point. Read More
I do believe that they do. I was charged with such before but I had switched carriers and I had my documents to prove it. Read More
If the other driver is at fault in a collision and does not have insurance can the claim be paid entirely under your uninsured driver coverage?
Yes - that's the point of uninsured motorist coverage. You'll be bound by the terms of your policy so review it. But generally yes, if the at-fault driver is uninsured, you can make a claim against your uninsured motorist policy. You'll have to prove the other driver had no insurance. Generally an affidavit of no insurance, or a letter from the most recent insurer stating the policy had lapsed or was in some way not… Read More
How do you find out if an insurance company carries uninsured motorist insurance for company commercial drivers if that company is procrastinating about telling the driver the truth?
Well, you say 'procrastinating,' but your question is not really answerable, and, coming from an employee, impertinent. Regardless of whether the company driver is actually driving for an insurance company--doubtful--or not, they have 'comprehensive' commercial insurance; 'uninsured motorist' insurance is just a way to rephrase 'comprehensive' insurance for those who might not grasp the term. Read More
If you have uninsured motorist insurance and a hit and run driver hits your car will your insurance fix your car?
First, be sure that you have property damage coverage under your uninsured motorist as well as bodily injury. Then, be sure that you have filed a police report. If you have both of these things, there is a good chance you have coverage, but the final determination is up to the company. Read More
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 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… Read More
If an insured truck driver from another state hits an uninsured motorist will the insured truck driver's insurance pay the expenses of the uninsured person?
Only if the truck driver was at fault. Read More
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. Read More
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. Read More
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 your insurance that pays, if your policy says this situation is covered. It depends on your insurance policy. Some cover you, others don't Read More
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. Read More
You are an uninsured motorist and rear end a car now the insurance company wants you to pay the damages you refuse to pay what will the insurance company do will you be sued what can be done?
not sure Read More
If I'm retired with good health insurance and no wages to cover should I have uninsured motorist coverage?
Absolutely, unless you are independently wealthy and don't care if your vehicle is a total loss every once in a while. Uninsured motorist fees are very nominal compared to the alternative. Read More
"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 difference 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… Read More
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. Read More
file a collision claim with your insurance company once all is settled they will go after (subrogate) the uninsured (assuming they are at fault) party to recoup theirs and your money..... Read More
Yes they should. Did you carry uninsured motorist? The only issue is if your car had a driver that did not have a license or was living in your home and you did not tell them about this person. Read More
It is not a mandatory coverage. However, you have no bodily injury coverage if you are injured by an uninsured motorist. Read More
No. The state is not responsible for the accident or the driver. You can file suit against the uninsured motorist. Read More