It really depends on your driving background and if you've had tickets before, been in an automobile accident recently etc. It can cost anywhere from 100 dollars to 350 dollars.
More than likely, you will begin by using your personal medical insurance. Medical expenses and lost wages can possibly be reimbursed through the uninsured motorists coverage.Uninsured/Underinsured coverage laws vary by state. Contact your insurance agent for a full explanation of how this coverage would work on your policy.
there are 'policy limits' and the insurance company cannot pay past these limits, need more info to be of more assistance, is this an uninsured motorist claim, or a bodily injury claim, (liablity under negli.drivers policy)?
Uninsured driversWhen I was hit by an uninsured motorist and it was their fault, my insurance company paid to fix my car. It's my understanding that they then sued the uninsured motorist for reimbursement. I was told that I could also file a small claims suit against the uninsured motorist for the deductible amount that I had to pay under my policy. So you have a choice; submit a claim to your company and then file a suit against the motorist to recoup your deductible, or don't file a claim with your company at all and go after the uninsured motorist in court for the complete amount. But chances are, if they can't afford insurance, then they won't be able to pay you either! If you only have liability coverage on your car, then taking them to court is obviously your only option. Keep in mind, most insurance companies require the uninsured driver to sign a statement that they have no insurance. If they don't sign, your insurance company will likely decline your claim and you will have to take the uninsured driver to court. Most insurance companies also offer an option to pay a little extra and you don't have to worry about that, your covered no matter what. So to be safe just add it to your policy.In the UK a body known as the Motor Insurer Bureau or MIB will meet the liability of an uninsured driver. You must make the claim against the uninsured river and you should notify the MIB. See the related link entitled "accident car insurance" for more details on how the MIB pays compensation.
New Jersey requires that drivers hold uninsured motorist insurance because of the number of drivers in the state who are on the roads without proper coverage. This type of insurance will cover the damages that are caused by another driver in an accident if that driver does not have insurance. Many insurers will also include coverage in the case of an underinsured driver who does have insurance but whose policy does not pay enough to cover the damages that are incurred. Uninsured motorist insurance will help to make up the difference in compensation between what a driver should receive and what the negligent individual can pay. It does not provide extra money above what the main insurance policy would normally pay. One of the key elements that can dictate whether a driver will receive money due to an accident with an uninsured driver is the issue of liability. New Jersey has comparative negligence laws in place. This means that the fault for an accident can be placed on more than one individual. The uninsured driver must be found to have a larger portion of negligence than the driver with insurance. If the policyholder is found to have the larger portion of fault in an accident then the uninsured motorist coverage will not be applicable. The actual definition for who is an uninsured driver in New Jersey is not always clear and can actually be applied to a broad range of individuals. A person is considered uninsured if they are not holding any liability coverage. A person can also be considered uninsured or underinsured if they have some form of liability coverage but the amount of the policy is not enough to pay for any damages that have been caused. Another definition for an uninsured motorist is a person who had insurance when the accident occurred but then subsequently had their claim denied so that no payments are made to the victim of the accident. Some situations can occur where the person who is at fault for an accident is not present after the accident or is completely unknown. Uninsured motorist insurance in New Jersey will pay for the damages that were caused by an anonymous individual if there is some evidence that the covered driver was not at fault. This can help a driver to regain the use of their vehicle quickly and pay for medical bills but can also lead to a long litigation process once the individual who caused the accident is found.
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.
Stacked auto insurance is an option that lets a policyholder to boost available uninsured/underinsured motorist (UM/UIM) physical injury protection by multiplying the UM/UIM limits of the number of cars on a policy. Stacked insurance coverage is applicable only to UM/UIM limits. For more information about stacked insurance visit the Related Link:
Yes and no. Yes if it to cover medical expenses. You can pull on your med-pay and your uninsured motorist policy I believe. But don't expect them to cover damages to car. I would stick with med-pay as a better option though. Attorney! Attorney!! Attorney!!! That's what I have to say. Insurance company want to save money! Yours and theirs. Their job is to pay out as litte as possible! Yes you pay attorney fees but you also get thousands more!
A little more explanation of the situation may be necessary. In most states, insurance follows the vehicle and not the driver. You could still be in trouble if the driver was not listed on the policy covering the vehicle or even if they were excluded. If such a problem comes up which is rare, you can file the claim on your policy if you have uninsured motorist coverage then they would go after the driver and owner of the vehicle for the money back.
You would have to file this under your collision coverage. Depending on your insurance provider, they will list the accident as a no fault accident. More than likely, you will have to pay your deductible.
With regards to auto insurance, your best bet is to "shop around" as each company will offer different rates and discounts. There is a minimum coverage you must have (liability and uninsured motorist coverage). For liability it's $20,000 - injury or death of one person in an accident, $40,000 - injury or death of more than one person in an accident, and $15,000 - damage to property of another person. For uninsured motorist coverage it's $20,000 per person, $40,000 per accident.
To my knowledge, the longer one stays uninsured, the more expensive insurance coverage will be when purchased.
A bodily injury claim is a liablity claim. Most auto policys have three (could be many more) liability coverages; Bodily injury (pays for injuries you cause to another), Property damage (pays for damages to property of others), Uninsured motorist coverage (pays for injuries caused by an uninsured motorist). The bodily injury coverage is one coverage under the liability section of your auto policy.