The other party if they do not have insurance. Each state is a little differant but the same. Check your policy, most have an explanation for each item. Hope this helps.
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 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.
Uninsured Motorists Options on your Auto Insurance Policy Offer cover yourself and other passengers in your vehicle and comes with basically 2 options 1 Um / BI = Uninsured Motorist Bodily Injury Coverage 2. Um / PD - Uninsured Motorist coverage Physical Damage BI covers Bodily injury to the driver and passengers in your vehicle. PD covers your Physical Damage for your Vehicle.
This is actually "Uninsured motorist property damage coverage" Or Waiver It is the portion of your insurance that covers you if the other motorist has no coverage. If it is a waiver you have to initial it means you have declined this coverage. This is one of many ways the cheapo insurance companies lower your rates.
Anyone without valid auto insurance that is driving is an uninsured motorist.
states like washington, newjersey, neyork, pensilvania, virginia, offers uninsured motorist
It is not a mandatory coverage. However, you have no bodily injury coverage if you are injured by an uninsured motorist.
Yes as long as your policy has uninsured motorist coverage on your policy.
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.
Uninsured motorist coverage provides coverage for bodily injury, and in some states property damage incurred by an uninsured driver or a driver with insufficient liability limits.
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.
It is a very good idea to have uninsured motorist coverage. You need to always have yourself protected.