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Having the right auto insurance is extremely important for all drivers. While the minimum insurance requirements are determined by each state, and provide a decent amount of protection in the case of an accident, many people need additional protection from uninsured or under-insured drivers. This is where California uninsured motorist insurance steps in to provide coverage, even when others are driving illegally or cause more damage than they can cover with their own policy.
The Minimum is Not EnoughWhile many states do require a certain minimum insurance coverage to be able to legally drive a vehicle, the reality is that these minimums are often not enough to cover severe property damage, especially if another driver is injured and needs physical therapy.
In these cases, the additional money must be paid from the at-fault driver's personal funds. If a driver is running around without insurance or with just the minimums, they likely don't have the money required to pay for medical procedures and vehicle repairs, and the accident victim may be left in the cold without uninsured motorist insurance.
Providing Peace of MindWith these tough economic times, more and more people are choosing to drive illegally without the proper insurance, hoping they never get into an accident. Being protected and maintaining peace of mind means more than just driving safely - it means having the proper coverage as well.
Accidents happen, and increasing numbers of people are under-insured, especially as the minimum requirements have stayed the same while vehicle and medical costs have increased. In the state of California, uninsured motorist insurance is quite affordable and can mean the difference between paying for a car out of pocket and having a check written to cover all damages.
Protecting Property - And LivesDrunk drivers are more likely to lack the proper insurance needed to pay for an accident, and yet are far more likely to cause them. A front-end collision could cause life-threatening injuries, and without the proper insurance, it is possible to get stuck with extremely high medical bills for years after the accident.
Uninsured and under-insured motorist insurance helps to ensure that proper medical care is given, and will help to repair or replace a car that is involved in a catastrophic accident.
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Who is considered an uninsured motorist?
Anyone without valid auto insurance that is driving is an uninsured motorist.
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.
What is an uninsured motorist endorsement?
An uninsured motorist endorsement is an added insurance policy for motorists. It covers injuries that have resulted from a collision by an uninsured driver.
How can you recover from an uninsured motorist?
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.
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.
Who has the best Virginia uninsured motorist insurance?
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.
If someone hit your car and didnt have insurance is it covered by uninsured motorist?
Yes as long as your policy has uninsured motorist coverage on your policy.
What states offer uninsured motorist insurance?
states like washington, newjersey, neyork, pensilvania, virginia, offers uninsured motorist
Does uninsured motorist insurance pay if you hit a deer?
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.
Which insurance company offer the lowest rate for uninsured motorist insurance?
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.
How much uninsured motorist coverage do I need on my auto insurance policy in the state of Georgia?
You need at least $2000 uninsured motorist coverage for you auto insurance policy in the state of Georgia
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.
