It's just auto Insurance. If you purchased coverage for uninsured motorists coverage option then yes you will be covered.
not sure
"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 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.
If you get into an accident in New Jersey and are not insured, it will cost you a substantial amount. The cost to repair the vehicle, pay the fines if responsible for the accident and possibly have to pay for some damages done to other vehicles or public property.
Contact the other parties insurance company and hope that they have uninsured motorist coverage which will not help you in any way except that the person you hit will be paid for all damages you did and you will be able to work out a payment plan in order to repay the insurance company for these losses plus interest. Maybe this will keep you out of jail. Depends on your state laws in that matter. In most cases I have seen you will loose your drivers license until this is paid in full. Perhaps if you show the judge that you have done this they will issue you a permit to drive back and forth to work.
I hope you got a police report. If not call the PD and ask them if it's too late to file a report, some will do one weeks after as long as both parties agree it occurred. Second, appeal to your insurance company to file the claim under uninsured motorist insurance (you SHOULD have it). If all else fails, all you can do is go to small claims court.
When you buy a car, you have 30 days to get it insured before it becomes illegal, but you are completely financially responsible for any damage done until you are insured.
Usually not. State laws differ, but if the work was done by an uninsured plumber or you did it yourself, you probaly have no legal case against your insurance company. You might be able to sue a plumber for damages if it is proven it was negligence.
If the drive is not found, your insurance will have to cover the damages. When the guy is found, press charges and sue him for damages.
Having insurance in general is important; auto insurance especially. Not only is it illegal to drive without auto insurance, but if a person were to get into a car accident, he/she would have to exchange insurance information with the other person involved in the accident. A hefty fine can follow if he/she does not have insurance. The insurance will pay for the damages done so that he/she does not have to pay out of pocket. The same goes for homeowners' insurance. If damages are done to a person's house, then the insurance will pay for the damages. Overall, it doesn't matter if it is 21st Century Insurance or another insurance company. Insurance is very important to have.
Insurance is supposed to return the car to the condition it was before it was stolen.
== == In the event that you got into a car accident and it was not your fault but the other driver's, if he is insured, his insurance company is liable to pay for the damages of your vehicle. On the other hand, if the other driver is not insured, your own insurance company, provided you have a policy regarding uninsured or underinsured drivers, will be responsible for the damages your vehicle has incurred. They however, may have a right of action against the person responsible for the accident. The person who caused the damage to your vehicle is ultimately responsible for the damage to your vehicle regardless of whether there is an applicable insurance coverage or not. Whether you actually have the repairs done is none of their business.
No damage to motor vehicles is specifically excluded