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UM (uninsured motorist) coverage is not required in all states that require liability coverage. However, UM is an important coverage in auto insurance because it steps in and pays for your bodily injury (medical expense, lost wages, and pain & suffering) when you are injured by a hit-and-run, uninsured driver, or irresponsible driver who carries low liability coverage on their auto insurance. In another word, UM is a coverage for you and people in your car guarding against the risk of irresponsiblly insured drivers - and there are a lot of them out there.

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โˆ™ 2009-07-17 07:09:14
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Q: Why is uninsured motorist coverage required in states that require liability coverage?
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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 does uninsured motorist and under insured motorist insurance cover?

Uninsured motorist coverage pays damages for bodily injuries when the at-fault driver or owner of a vehicle has no bodily injury liability coverage. It pays an amount up to the amount purchased by the insured, and is generally not a required coverage. In those states that utilize a comparative negligence rule of determining fault for a collision, the amount that the inured party can recover is reduced by the amount of liability attributable to him/her. In that respect, it operates similarly to the evaluation of the injury and damages if the at-fault party did have bodily injury liability coverage. Underinsured motorist coverage serves essentially the same purpose. However, it is triggered when the at-fault party's bodily injury liability coverage is less than the injured party's uninsured motorist coverage. Further, in order to be triggered, the "value" of the injury must exceed the liability coverage of the at-fault party.


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.


Is a signature required in the state of Ohio to drop uninsured motorist coverage?

It should be, if the signature is not on file to decline coverage, it could be added.


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.


What does uninsured vehicle coverage cover?

If you are in an accident and it is the other drivers fault, this coverage will kick in if that party does not have insurance.AnswerWhile the foregoing is true as far as it goes, it is important to realize that in most contexts, uninsured motorist coverage refers to bodily injury protection and not to physical damage to the vehicle.In most States, uninsured motorist coverage as defined here is not a required coverage. However, many States do require that insurers selling a customer auto liability coverage offer the customer uninsured motorist coverage in the same amount as the liability coverage. The customer may reject it (thereby lowering the premium). However, if involved in a collision with someone who does not have bodily injury liability coverage, he/she may be without a source of recovery.Recovery under one's uninsured motorist coverage is similar to recovery under the third-party's liability insurance. That is, the insured has to demonstrate the existence of an injury that reaches any threshold of seriousness that the State law may require. Likewise, the same rules of negligence apply as in a liability claim, which may serve to reduce the insured's recovery. That is, depending upon the negligence theory to which the State adheres, the injured party's right of recovery may be eliminated or reduced according to his/her degree of fault in causing the collision. Examples of the various negligence theories are contributory negligence and comparative negligence.


Do Muslims in the US have to pay car insurance?

Not required in any state. If you live/drive in area where Muslims reside, do not waive uninsured motorist coverage.


Can you have liability only car insurance in Kansas?

There are three types of automobile insurance coverage required in the state of Kansas. These include liability, personal injury and uninsured.


Know the Insurance Requirements in Columbus?

If you live in or around Columbus, Ohio, and you own a vehicle, you will need to purchase auto insurance coverage before you can legally drive your car. Ohio law requires that all drivers purchase car insurance. When you register your vehicle in vehicle in Columbus, you will have to sign a form certifying that you meet Ohio financial responsibility requirements. You must also provide proof of auto insurance to a law enforcement officer upon request.Ohio also mails letters to random drivers throughout the year, requesting proof of coverage. If you receive a request letter, and you do not carry at least the required coverages, your driver's license will be suspended. You will also have to pay reinstatement fees in order to have your driving privileges restored.Liability Coverage in ColumbusLiability coverage, which provides other drivers and passengers protection if you cause a motor vehicle accident, is required in Columbus.In order to meet Ohio auto insurance requirements, you must purchase at least $7,500 in liability coverage to pay for repairs to property you damage. You must also purchase at least $25,000 to pay for medical expenses you cause in an accident. This portion of your liability coverage must pay up to at least $12,500 for any one person's injuries, subject to the $25,000 aggregate limit.Uninsured Motorist CoverageInsurance companies in Columbus must offer uninsured motorist coverage with the same minimum limits as are required for bodily injury liability coverage. This coverage pays for your injuries if you are struck by a hit-and-run or uninsured driver.You are not required to buy uninsured motorist coverage; however, if you choose not to purchase this coverage, you will have to sign a form stating that the insurance carrier made this coverage available to you, and that you do not want uninsured motorist coverage. Otherwise, the carrier must add it to your policy.As a Columbus driver, you may want to purchase additional coverages, as well as higher limits for required coverages. This can give you additional protection if you are involved in an accident.


Can I get motorist insurance if I am currently uninsured?

Yes you can get coverage. In fact all states require to have insurance so try and get coverage asap to avoid getting a ticket or suspended by the state. You may have to pay a higher premium but is required and mandatory,


Where do I get help to pay for my car accidents and insurance in hit and run?

Generally, you cannot, in the absence of collision or uninsured motorist coverage. If the hit and run driver is eventually identified you may be able to sue them personally. Both collision coverage and uninsured motorist coverage are "first-party" coverages, meaning that they cover your own vehicle. Collision coverage provides property damage for your own vehicle irrespective of fault for the collision. It is normally subject to a deductible, meaning there will be an amount that you will have to pay out of pocket. You will have to check your policy, or with your insurance agent, to see if you have the coverage, because it is generally not mandatory. That said, if the vehicle is financed, the entity through which you financed it may have required that you get collision coverage to protect the collateral. If you did not, the company that financed the car may have obtained "force-placed" coverage for you and charged your account the premium for it. Therefore, you should contact the finance company and determine if it did and if so, get the specifics on the coverage so that you can make a claim. Uninsured motorist coverage provides benefits to you if you were injured (usually there is a requirement of permanency, but state law controls) by the negligence of an uninsured driver. It does not provide any property damage benefits, so depending upon the damages that you sustained, it may be moot whether you have it or not. If your state requires you to maintain liability coverage on your car, it will generally also require that your insurer have offered you the chance to buy or to waive the purchase of uninsured motorist coverage.


The Ins and Outs of Uninsured Motorist Insurance in Virginia?

Whether in Virginia or another state, uninsured motorist insurance is often pushed aside by drivers. Unfortunately for those drivers, uninsured motorist insurance could come in handy in the case of an accident where the other driver involved does not have insurance. In Virginia, uninsured motorist insurance is actually mandatory. Residents are required to purchase uninsured motorist insurance as part of their auto insurance plan. Fortunately for residents of Virginia, uninsured motorist insurance can help protect from health care costs and other costs associate with an accident that the driver is not at fault for. Residents of Virginia are required to purchase 25/50/20 of uninsured motorist insurance with their auto insurance policy. This amount of insurance is purchased in order to cover bodily injury and damage to property costs associated with an accident. Additionally, uninsured motorist insurance can help pay for lost wages and other medical bills as a result of an accident. While uninsured motorist insurance may seem like an extra or unnecessary costs, statistics have shown that nearly 15 percent of drivers on the road do not carry liability insurance. In the case of an accident in which a driver does not have insurance, the driver at fault would be required to pay for any and all costs. If they can't, it becomes the responsibility of the other driver involved in the accident. It doesn't matter if the driver was at fault or not. In Virginia, drivers have the option of purchasing a deductible for uninsured motorist insurance. The deductible is the price that a driver is willing to pay out of pocket if they have an encounter with an uninsured driver that can not pay for damages and or medical bills. Fortunately, as it is mandatory in Virginia, purchasing uninsured motorist insurance or paying for a deductible is relatively inexpensive. As with all types of auto insurance, prices will vary depending on the insurance company. For best deals on uninsured motorist protection rates, it's best to shop around.


Add Uninsured Motorist Protection To A Texas Auto Policy?

Texas drivers may wish to consider carrying uninsured motorist protection in addition to the required liability car insurance. Often abbreviated as UM, uninsured motorist protection covers the costs of property damage and bodily injuries sustained by an innocent party when caused by a driver not carrying his or her own liability policy. It is estimated that nearly one-fifth of all cars on Texas roadways are being driven by individuals not covered by a liability policy.Adding Uninsured Motorist Protection To The PolicyTexas drivers will be asked by their insurance agent if they wish to add this protection. Most insurance companies will offer several different levels of UM. Most commonly the suggested amount will be equal to the coverage limits on the liability policy written. This means that in the event of an auto accident where the at-fault driver carries no liability insurance, insured victims will be covered for property damage and personal injury costs equal to their own liability coverage amount. It is important to ask specific questions about these amounts when considering UM coverage. The cost of this coverage may also depend on the amount of liability protection being purchased.Combining UM With Personal Injury ProtectionPersonal injury protection is also optional in the state of Texas. This coverage guarantees medical bills will be paid when injuries are sustained in an auto accident. The coverage is paid regardless of who is at fault in an accident. Uninsured motorist protection may not be paid until some time after the accident occurs, meaning the innocent party may have to make an initial down payment for medical treatment. He or she may have to rely on health insurance if treatment is required immediately. Personal injury protection gives individuals peace of mind because the medical expenses are taken care of immediately. Combining PIP with uninsured motorist protection usually results in a discounted monthly price.Shop Online And SaveInsurance companies licensed to operate in the state of Texas will usually partner with an online affiliate comparison site. These sites offer multiple quotes on every type of insurance package including those with uninsured motorist protection as part of the policy. Shoppers will have the opportunity to choose from various amounts of UM as well as PIP. Quite often the monthly premiums for a full protection package are surprisingly low when both UM and PIP are included.Those who shop online for car insurance will want to investigate the prices for higher amounts of liability coverage when UM is added. Obtaining twice the state minimum required amount of liability insurance will not cost much more if UM and PIP are included.


Does a learners permit have to be insured in new york?

Anyone driving in any state is required to be covered on the insurance policy of the vehicle they're operating, whether named on the policy, or covered by uninsured motorist coverage on that policy.


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.


Can an adjuster refuse a claim when their driver was issued a ticket at the scene of an accident?

The broad answer is "No", if only because a ticket is merely an accusation, not a determination of guilt or liability. But the issue gets more complicated depending upon the coverage involved. For example, collision coverage is a first-party coverage intended to pay for the physical damage to ones own car. If the claim is otherwise covered (meaning essentially that the insured has done everything required by the policy to assert the claim), the fact that the insured was given a ticket, and even if he convicted of the offense, will not ordinarily bar recovery. This is in contrast to another kind of first-party insurance, uninsured motorist coverage. It is designed to pay the same sort of damages to a person injured in a collision which the other driver or owner's liability insurance would have paid if that person had bodily injury liability coverage (such as damages for a permanent injury, pain and suffering, disfigurement, etc.). Stated otherwise, uninsured motorist coverage takes the place of the at-fault driver's/owner's bodily injury liability coverage when he/she does not have that coverage. Normally, the payment of uninsured motorist coverage benefits to an injured party will follow the same rules of negligence law as a claim directly against the at-fault driver, and thereby, principles of comparative or contributory negligence usually apply. Therefore, if the claimant is cited for a moving violation related to the collision and convicted of the violation, that finding may be interpreted as some degree of negligence, which may, in turn, have a bearing upon recovery from the insurer.


Is liability for auto insurance required by the state of Utah?

Liability insurance is the minimum coverage you can get and is required in every state.


What is the minimum amount of liability insurance coverage required?

The minimum amount of liability insurance coverage required (in California) is: 15/30/5. 15/30/5


Will your insurance pay you direct for a hit and run claim?

If you have collision coverage then yes, car insurance companies will cover the damages caused to your car, or medical treatment required, within the stipulations of your policy. However, if you don't have collision or underinsured/uninsured motorist coverage, then you will not be covered for the damages to your property or self.


Is it necessary to carry uninsured motorist coverage in a no-fault state such as Florida?

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.


Where can I get liability car insurance?

Liability coverage (often simply called "liability") protects you from damage you do to others or to property in an accident. Some level of auto liability insurance coverage is required in all 50 states - get info for your state's auto liability insurance coverage requirements here.


Do you need uninsured mortorist coverage if you have health insurance?

Well, health insurance won't repair your car will Uninsured Motorist will. Your health insurance won't pay for your friends, relatives, or children's friends who happen to be in your car when you have an accident with an uninsured motorist when they don't have health insurance. If they are injured and have no health insurance they will look to you for payment of their injuries. The cost for U.M. coverage is relatively small for the coverage that you get. Also, if someone hits you and has no insurance the Uninsured Motorists part of your policy will act as if the person had the required insurance that they should have in paying for your losses. After your losses are paid they will go after the other party to recover the costs paid that they should have paid. The costs to collect these funds are paid by your company and once they collect these funds even your deductible will be recovered and sent back to you. The legal costs to collect these costs could be substantial.


What auto insurance is required by Georgia?

You are required to have a minimum of 25/50/25 auto liability coverage.


Are bars required to carry liability insurance?

You need liquor liablity coverage


What kind of coverage is required under compulsory insurance laws?

Liability insurance