The Supreme Court has unanimously allowed an appeal, in a case that required the court to consider whether a claim to damages against the UK Motor Insurers» Bureau was to be determined in accordance with English or Greek law, where the respondent had been injured
by an uninsured driver while on holiday in Greece.
If for example, a pedestrian was hit
by an uninsured driver while crossing the street or riding their bicycle, the UM coverage in their insurance policy would cover the cost of their injuries — whether the responsible motorist was driving a bus, truck, motorcycle or car.
This policy protects insured individuals hit
by uninsured drivers while riding their bicycles or walking.
Having uninsured motorist coverage ensures that, if you are sideswiped
by an uninsured driver while driving down the Kennedy Expressway, any ensuing medical bills or property damage will be covered.
Not exact matches
On a case
by case basis, their
driver license can also be suspended if they were involved in an accident
while uninsured, or revoked if they caused an accident with injuries or death.
Bruinsma v. Cresswell et al. 2013 ONCA 111 Insurance — Automobile insurance — Compulsory government schemes —
Uninsured or underinsured motorist coverage — Exceptions and exclusions A disqualified
driver (plaintiff) was in an accident
while driving his girlfriend's vehicle (insured
by CAA).
This is unfortunate because,
while the rest of us do our best to adhere to Florida law and maintain our auto insurance, we are left in a difficult position when hit
by an
uninsured or underinsured
driver.
While not a requirement,
uninsured / underinsured motorist coverage provides a source of recovery for an insured person in the event they are injured
by a
driver who either does not have auto insurance at all, or who has an insufficient amount of coverage.
While standard UM coverage pays for medical expenses that result from an accident caused
by an
uninsured driver, there is a separate kind of coverage for damage to your vehicle.
While this does mean your insurance premiums likely won't rise if you don't cause accidents — it does leave one exposed if they happen to be in an accident caused
by an
uninsured driver.