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Will under insured motorist coverage pay for injuries to a drivers policy for a single car accident?
Wiki User
∙ 16y ago
No, I don't think so, or know of any situation where it would, all states vary and have different laws though so you should double check this with your states dept of insurance or your agent. Typically underinsured motorists coverage, covers the 'under insured'' coverage of the other driver. As an example you and four passengers of your vehicle are hurt badly by another driver who only carrys 25k/50k bodily injury limits. That means 25k per person 50k per accident is the absolute MOST they can pay, but you and your passengers injuries total 75k, your underinsured motorist coverage picks up this 25k that is over their limit, or amount they are 'underinsured'.
Wiki User
∙ 16y ago
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What exactly does Florida uninsured motorist insurance cover?
Underinsured and uninsured motorist coverage protects drivers when the in Florida as the state does not require motorists to carry bodily injury coverage.
Will full coverage cover the insurance holder if they were injured?
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.
Can the uninsured motorist coverage in a hit and run accident in California cover the victim?
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 vehicle. It is also relatively cheap compared to other optional coverages!
Coverage To Drive?
If you are driving a car in the state of Illinois, then you need to carry insurance on the vehicle. Uninsured motorists can get insurance at affordable rates if they know where to look. There is a minimum amount of coverage that the driver needs to have on their insurance. This amount is not high so that drivers can get insurance coverage at an affordable rate. However, if a driver wants to take a risk and let someone else drive their car, they need to carry uninsured motorist insurance on their policy. The minimum amount for this coverage is $20,000. This covers the driver of the car if they were in an accident and were not covered under an insurance policy. In the event of a car accident and the driver of your car or the other car were not covered under their own insurance policy, the uninsured motorist coverage would protect not only yourself but the other drivers in the accident. The coverage will pay for any medical necessities that are incurred during the accident and any wages that are lost. The coverage will only pay up to the amount that you have on your insurance policy. Anything over this amount will be the responsibility of the driver. If the accident was the fault of the other driver, then their insurance will cover up to the amount listed on their policy and then your insurance will cover the remaining amount. An uninsured policy is different than an underinsured policy. An underinsured driver has insurance, but they may not have enough coverage to pay for the expenses if the driver were in an accident. An uninsured motorist has no insurance at all. The only way that an uninsured motorist can usually drive a vehicle is if there is a family member who has taken out the uninsured motorist coverage on their insurance. An uninsured policy is not expensive to get, but it would be best for the driver to obtain their own policy as soon as possible.
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 your 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.
Does Atlanta offer no-fault accident coverage for drivers?
Atlanta is in Georgia, which does not offer true no-fault accident coverage, but insead has no restrictions on law suits.
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.
What does Excess Liability insurance cover me for?
Excess liability coverage is designed to cover drivers who may have been involved in an auto accident and the injuries or bills exceed the insurance policy. It's kind of like your back up amount and can give you a little extra cushion and coverage.
High Insurance Rates?
Maryland drivers have plenty to smile about, but not car insurance rates. Although drivers can find low rates if they search long enough, the average rates for drivers are $1,763. This amount is above the national average by about $100. Drivers don't seem to be complaining about the high cost of insurance though because they know they are getting possibly the best coverage in the country. One of the reasons that Maryland drivers have higher rates than other drivers in the country is because their coverage minimums are higher than other states. The minimum amount of coverage that drivers can have for bodily injury is $30,000 per person and $60,000 for each accident that they are involved in. property damage coverage is kept at a $15,000 minimum. Drivers can purchase a policy that has a higher coverage, but with amounts this high, many drivers don't see the need in purchasing higher coverage. The state increased their limits on coverage in January of 2011. Maryland, like many other states, is under the Tort system. This system requires that someone must be at fault for any accident that occurs. This includes accidents involving other cars or personal property. After the fault has been assigned, the appropriate insurance company will pay the expenses to the correct people. A personal injury protection plan on insurance policies covers medical expenses that may be incurred after an accident. If you are at fault for an accident, then your insurance rates will rise. The amount of coverage for an uninsured motorist has also increased to $30,000 per person. This protects the driver of the vehicle as well as the owner of the vehicle. Many other states require a minimum of $25,000 for bodily injury as well as an uninsured motorist. Drivers who are involved in an accident must report the people who are in the accident to the DMV as well as providing proof of their insurance. If they cannot provide proof of their insurance, then they may lose their license for a certain amount of time. Fines are also possible after being involved in an accident.
A Consumer Guide to Understanding Kansas's Auto Insurance Requirements?
Kansas's auto insurance laws can be difficult for some drivers to understand because they require drivers to purchase a combination of individual auto insurance policies. This combination of policies is designed to help protect drivers from nearly every conceivable problem that occurs after an auto accident. As a result, it is important to understand Kansas's minimum auto insurance requirements to purchase the correct combination of auto insurance policies.Here is a quick overview of Kansas's minimum auto insurance requirements that can help drivers purchase the proper combination of auto insurance policies.Kansas drivers must purchase a certain combination of liability coverage policies.For example, drivers must purchase at least $50,000 of bodily injury coverage that covers the lost wages that are sustained from injuries suffered in a single auto accident. At least $25,000 of this coverage must cover the injuries sustained by one person in an auto accident.Moreover, drivers must purchase at least $10,000 of property damage coverage. This coverage is required because it provides protection for vehicles and other personal property that could be damaged or destroyed in an auto accident.Drivers must purchase personal injury coverage.This coverage is also called "No-Fault" injury coverage by some Kansas auto insurance dealers. It provides protection for nearly every conceivable problem that could result from injuries that are sustained in an auto accident.For example, drivers must purchase at least $4,500 of medical and rehabilitation coverage. Drivers must also purchase at least $9,000 of disability coverage that offers income protection to drivers who are injured in an accident. Moreover, drivers must also carry at least $2,000 of liability coverage that covers funeral expenses for people killed in auto accidents that were caused by a driver's reckless behavior.Finally, drivers must purchase uninsured motorists coverage.This coverage must include $25,000 of coverage for each person who is injured by an uninsured motorist. Moreover, drivers in Kansas must purchase at least $50,000 of uninsured motorists' coverage for each accident that occurs. This coverage can be purchase separately or as a part of a comprehensive auto insurance policy.The Kansas Insurance Department offers advice and suggestions that can help drivers reduce their in-state auto insurance rates. As a result, drivers who need more information about these auto insurance requirements should contact the department during normal business hours for more details about policy requirements.
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?
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?
What Georgia car insurance is recommended for drivers with a DUI?
The minimum coverage for Georgia is $15000 per person/ $30000 per accident. The recommended coverage, however, is $100000 per person/ $300000 per accident.
