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What does uninsured motorist and under insured motorist insurance cover?
Wiki User
∙ 13y ago
Uninsured motorist coverage pays damages for bodily injuries when the at-fault driver or owner of a vehicle has no bodily injury liability coverage. It pays an amount up to the amount purchased by the insured, and is generally not a required coverage. In those states that utilize a comparative negligence rule of determining fault for a collision, the amount that the inured party can recover is reduced by the amount of liability attributable to him/her. In that respect, it operates similarly to the evaluation of the injury and damages if the at-fault party did have bodily injury liability coverage.
Underinsured motorist coverage serves essentially the same purpose. However, it is triggered when the at-fault party's bodily injury liability coverage is less than the injured party's uninsured motorist coverage. Further, in order to be triggered, the "value" of the injury must exceed the liability coverage of the at-fault party.
Wiki User
∙ 13y ago
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What if the other driver has some insurance but not enough to cover my losses?
In most states you can purchase under-insured motorist or uninsured motorist coverage that will kick in when the other parties insurance is depleted.
Does progressive insurance cover if an uninsured driver gets in an accident in an insured car?
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.
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.
What happens if you are hit by an uninsured teen driver and they are found to be at fault?
If you have "Uninsured or Underinsured Motorist" coverage on your policy, then your insurance will cover it at no cost to you.
If someone dented your car in a parking lot then left would your uninsured motorist insurance cover the damages?
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 ........
Do I need uninsured motorist insurance in New Jersey?
Yes you do need an uninsured motorist insurance. The state of New Jersey requires everyone to have obtained at least a $15,000 cover for their car(s) before taking them to the road.
If a uninsured motorist hits your car will sr22 cover your damages?
If you purchased uninsured motorists coverage with your policy you will be covered. The SR22 is not insurance, it's certificate of proof that you have insurance.
What is uninsured vehicle coverage?
Uninsured motorist coverage provides insurance coverage when you are hit by a person who has no insurance coverage. You uninsured motorist coverage will take the place of the insurance that the other person did not have and will cover your damages just like theirs should have if they had it. The only difference is that you will have a small deductible for property damage coverage.
Does Virginia's Uninsured Motorist Insurance cover me or the people who are uninsured?
You would have to ask the Insurance brokers who handle that chapter. Inquire to your brand and determine whether or not the case is applicable or void.
What is cover under uninsured motorist?
When you buy a car, you have 30 days to get it insured before it becomes illegal, but you are completely financially responsible for any damage done until you are insured.
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.
What is uninsured insurance?
In auto insurance, 'uninsured insurance' refers to a type of coverage for accidents caused by a motorist without insurance or hit-and-run accidents in which the driver who caused the wreck cannot be identified. In other words, your insurance may cover the cost of damage to your car, medical expenses, and other expenses. http://www.superpages.com/supertips/what-is-uninsured-or-underinsured-motorist-coverage.html
