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.
Usually an uninsured motorist accident is not chargeable against insured in any way. Your rates should not be effected at all with most insurance companies.
Only if the truck driver was at fault.
No according to the law (which may be different from state to state) The uninsured motorist is always at fault
In most states you can purchase under-insured motorist or uninsured motorist coverage that will kick in when the other parties insurance is depleted.
Yes, this is because as you stated, the insured driver was at fault. The at fault driver is responsible regardless of the insured status of the person they hit. A good rule of thunb is this,, If they had insurance would I be responsible If the answer is Yes, then the answer is still Yes
If the accident was your fault and someone else was involved their uninsured motorist insurance will pay for their damage. The bad news is that they WILL sue for the amount they had to pay out.
No. The car is insured and your son's policy will provide coverage up to its policy limits.
Yes they should. Did you carry uninsured motorist? The only issue is if your car had a driver that did not have a license or was living in your home and you did not tell them about this person.
"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.
The insured drivers uninsured motorist coverage should take care of it. Doesn't matter if property is private or not.
regardless of whom is insured or not, the 'negligent' or liable party is responsible for the damage or 'to make whole' the injured (this means damage to vehicle as well) party........ i think the insured should pay since it was there fault
If it is the uninsured driver's fault in the accident, you can still file a lawsuit against the uninsured driver but you'll only be able to recover from their personal assets, which in many states won't be much because many states allow you to shield many personal assets from this sort of recovery. You will also be filing a claim against your own Uninsured Motorist (UM) coverage on your insurance policy.