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Answered 2009-12-07 15:32:26

Collision insurance will cover the damages to your vehicle- no matter who is At Fault.

Uninsured coverage is used if the other vehicle is at fault for the accident and you and/or anyone in your car is injured. This coverage will typically pay for related medical bills, loss wages, and general damages (i.e pain and suffering).

Liability = Other vehicle damage

Injuries to driver/passenger in other vehicle

Injuries to passengers in your vehicle if you are at fault

Collision/Comprehensive = Cover damages to your car

Uninsured/Under-insured = Injuries to you or your passengers when another vehicle is at fault and does not have insurance or has minimum coverage

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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.


An uninsured motorist endorsement is an added insurance policy for motorists. It covers injuries that have resulted from a collision by an uninsured driver.


Uninsured MotoristUninsured motorist is pretty much insurance where if someone hits you and they lack auto insurance, your insurer will still pay damages for your car.


Anyone without valid auto insurance that is driving is an uninsured motorist.


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 ........


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.


The best Virginia uninsured motorist insurance is probably the one offered by Triple A Auto Insurance of the one offered by Farmer's auto insurance or Geico.


The California Collision Deductible Waiver (CDW) is coverage which waives your collision deductible if you are hit by a negligent uninsured motorist. The CDW option with a personal auto insurance policy in California pays your collision deductible when you carry collision coverage on a vehicle that is damaged by an uninsured or hit-and-run motorist who is at fault. Coverage typically applies only when there is actual physical contact and when you can identify the uninsured driver or vehicle. Some insurance companies will not even talk about the coverage even if it is included in your policy until you bring it to their attention.


Yes as long as your policy has uninsured motorist coverage on your policy.


states like washington, newjersey, neyork, pensilvania, virginia, offers uninsured motorist


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.


It is not a mandatory coverage. However, you have no bodily injury coverage if you are injured by an uninsured motorist.


No your vehicle is not covered. That is why it is always recommended that you carry comp and collision and uninsured motorist.


Options available with auto insurance are Liability, Medical coverage, Collision and comprehensive coverage, and Uninsured motorist coverage.SK(APEX)


If you are wondering which insurance company offers the lowest rate for uninsured motorist insurance because your neighbor is planning to move to Ohio, then you should try Geico.


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.


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.....


You need at least $2000 uninsured motorist coverage for you auto insurance policy in the state of Georgia


It is a very good idea to have uninsured motorist coverage. You need to always have yourself protected.


There are seven types of car insurance available. There is liability, collision, comprehensive, uninsured motorist protection, medical/personal injury protection, no fault, and gap insurance.


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.


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.


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 of 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.



If you have automobile insurance with an uninsured motorist property damage endorsement it covers damage to your car caused by an uninsured motorist. If you have collision coverage the endorsement will pay your deductible. If you don't have collision coverage the endorsement will pay for damages up to a set amount, typically $3500. Before it will pay it has to be determined that the other party was at fault and that they have no insurance. In the case of a hit and run driver it wouldn't pay because it would not be possible to determine whether or not they had insurance.



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