Sentences with phrase «by uninsured motorist policies»

An accident caused by reckless driving that does not come into physical contact with your car is often not covered by uninsured motorist policies.

Not exact matches

In addition to the above statutory minimums, the policy coverage contemplated by the sample premiums include underinsured and uninsured motorist coverage for the same limits, medical expense benefits of $ 2,000 per person, and comprehensive and collision protection with $ 100 and $ 200 deductibles, respectively.

For example, if you had limits of $ 100,000 uninsured / underinsured motorist bodily injury coverage on the policies for each of your two cars and were injured in a crash caused by an uninsured motorist while driving one of your cars, you could add the limits from your two policies together to help pay for the damages — to a combined limit of $ 200,000.

Arizona car insurance laws do not require drivers to carry it, but this policy option can help protect insured motorists from damage by uninsured motorists.

If you drive a vehicle valued at $ 50,000, for example, and you are hit by a driver whose insurance provides coverage up to $ 25,000 in damages, your uninsured or underinsured motorist coverage would cover the difference, up to the limits of liability in your policy.

In states where stacking is not specifically prohibited, liability limits under the uninsured motorist coverage may be multiplied by the number of cars insured under a single policy or may be added together where multiple vehicles are insured under different policies.

Nevada does not require uninsured motorist coverage, but your agent may suggest this policy option as a way to protect you if your vehicle is damaged by an uninsured driver.

When you're comparing Citrus Heights insurance quotes for your vehicle, check to see if the policies the companies are offering provide the basic liability coverage required by California law or standard coverage, which includes higher liability limits plus comprehensive, collision, insured and uninsured motorist coverages.

Uninsured motorists may still be pursued for damages by the private insurer that carries your policy.

Your uninsured motorist (UM) coverage is intended to provide a financial safety net when you or another person covered by your car insurance policy is injured by an uninsured driver who is at fault.

When a cyclist is hit by a vehicle and the cost of his or her injuries exceeds the coverage of the motorist's insurance plan, the cyclist can make a claim on his or her own automobile insurance policy if through «uninsured motorist coverage» and / or «underinsured motorist coverage.»

If you are struck as a pedestrian by an uninsured, underinsured or even a hit - and - run driver, and you maintain a policy of uninsured motorist coverage, you might be covered and eligible for compensation for your injuries.

So if the liability policy is lower than the UM / UIM limits, you are going to be capped in your recovery for the uninsured / underinsured motorist claim by the amount of the policy.

This past week Geico insurance responded to a policy limits demand we sent on their own insured's Uninsured Motorist Insurance by claiming the victim was doing just fine despite $ 69,000 in medical bills and year long recovery.

If you are involved in an accident caused by another driver and the at fault driver does not have insurance or the at fault driver's insurance is insufficient to pay for the damages and injuries that you may have suffered from the accident, then your insurance policy may pay for the damages and injuries if your insurance policy has an uninsured motorist coverage.

Injured parties, however, may be covered by their own insurance policies; uninsured and underinsured motorist coverage protects accident victims in these cases.

It should be also noted that if an injured pedestrian is hit by an uninsured or underinsured driver, they may seek compensation from their own uninsured motorist policy as long as the can prove that they were actually hit by a motor vehicle whether it is a car, bus, truck or other vehicle.

In addition, if you get hit by a car while a pedestrian walking in the street, in a hit and run, or, while you are riding your bicycle, you can seek compensation from your auto uninsured and underinsured motorist policy.

All liability policies must provide uninsured motorist coverage, but if the insured person wants to, he or she can decline the coverage by signing a written waiver.

The Driver and Family Protection Act establishes that the amount of supplementary uninsured / underinsured motorist (SUM) coverage for any new auto insurance policy must be the same as the amount of bodily injury coverage selected by the policyholder.

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.

The biggest difference between uninsured and underinsured motorist coverage is simply that UM is required by law, and UIM is only a strongly recommended option for your auto insurance policy.

This insurance policy had, among other things, coverage for accidents caused by uninsured motorists.

Massachusetts drivers are required by law to carry Uninsured Motorist coverage on their motor vehicle insurance policy.

When a person is injured by an uninsured driver and has uninsured / underinsured motorist coverage, this part of the policy will act as if the responsible driver did in fact have insurance.

In Maryland, if you suffer personal injuries as the result of the negligence of a hit - and - run driver, you may still recover for your lost wages, medical bills, and pain and suffering as if you knew the identity of the driver by bringing a claim under your own insurance policy's uninsured motorist provision.

Insurance policy limits of $ 500,000 was collected from one defendant, and the victim's uninsured motorist coverage of $ 100,000 was collected by our car accident attorneys for the liability of the other defendant who was uninsured.

There are also several Oregon car insurance policies which offer motorists comprehensive coverage for damage caused by natural disasters, man made fires and uninsured drivers.

Uninsured Motorist Bodily Injury (UMBI): when you are hit by an uninsured driver, chances are they do not have the financial means to pay for your medical costs like you do with your insurancUninsured Motorist Bodily Injury (UMBI): when you are hit by an uninsured driver, chances are they do not have the financial means to pay for your medical costs like you do with your insurancuninsured driver, chances are they do not have the financial means to pay for your medical costs like you do with your insurance policy.

Keep in mind too that if you want the right to claim for lost wages and pain suffering if hit by an uninsured motorist, then you'd need UM coverage since health insurance policies don't offer such benefits.

There are also many Indiana car insurance policies which offer residents coverage for damages caused by uninsured motorists.

Additionally, it may be wise to consider purchasing uninsured motorist coverage, which will pay for injuries sustained by a driver and / or their passengers in the event they are involved in an accident with a motorist who lacks a policy or is unidentifiable.

If you are in a collision with an uninsured driver, you can rest assured that your damage is covered because you are required by the state to include uninsured motorist coverage in your Norwood car insurance policy.

Car owners and drivers have to be covered against New Hampshire liability expenses, purchase medical payments coverage, and include uninsured motorist protection on their policies should they choose to be insured in order to fulfill their legal obligation as set forth by the state of New Hampshire [1].

Since your policy is required by state law to include coverage for uninsured motorists, you don't have too much to worry about.

This payment depends on the other drivers policy limit and if they had no insurance then if you have Uninsured motorist coverage, you'd get coverage by your own company for medical bills.

Uninsured Motorist Bodily Injury — Similar to the BIL description above, this policy covers the medical treatment and rehabilitation costs for the driver and passengers should they be involved in an accident caused by a driver with no auto insurance.

The limits of such uninsured motorist bodily injury coverage shall be equal to the highest limits of bodily injury liability coverage for any one vehicle insured under the policy; provided, however, that (i) the limits shall not exceed one million dollars ($ 1,000,000) per person and one million dollars ($ 1,000,000) per accident regardless of whether the highest limits of bodily injury liability coverage for any one vehicle insured under the policy exceed those limits and (ii) a named insured may purchase greater or lesser limits, except that the limits shall not be less than the bodily injury liability limits required pursuant to subdivision (2) of this subsection, and in no event shall an insurer be required by this subdivision to sell uninsured motorist bodily injury coverage at limits that exceed one million dollars ($ 1,000,000) per person and one million dollars ($ 1,000,000) per accident.

This type of policy pays for bodily injury to you (and possibly your passengers) as well as property damage caused by an uninsured motorist or a hit - and - run driver.

If a driver is hit by someone without insurance, he may be able to collect for damages to his vehicle under the uninsured motorist property damage provision of his insurance policy.

In some states, if your policy includes coverage for damage caused by uninsured / underinsured motorists, and the person responsible was either unknown or underinsured, your insurance company may end up paying for repairs.

If you also want any property damage caused by uninsured or underinsured motorists to be covered, you'll need to buy a separate policy covering just the property damage from these drivers.

Washington DC law mandates that motorists must demonstrate they're fiscally responsible by buying minimum quantities of insurance policy in three distinct coverage types — Uninsured Motorist Bodily Injury Liability and Bodily Injury Liability, Property Damage Liability.

The mother's insurer denied the claim for uninsured motorist benefits on the basis of the «owned - but - not - insured» exclusion, noting that the vehicle was owned by the woman but was not insured under the policy and therefore no uninsured motorist benefits should be paid.

(e) Uninsured or underinsured motorist coverage that is provided as part of a motor vehicle liability policy shall insure that portion of a loss uncompensated by any workers» compensation law and the amount of an employer's lien determined pursuant to G.S. 97 - 10.2 (h) or (j).

In states where stacking is not specifically prohibited, liability limits under the uninsured motorist coverage may be multiplied by the number of cars insured under a single policy or may be added together where multiple vehicles are insured under different policies.

Many insurers have attempted to limit uninsured motorist coverage by including an «owned - but - not - insured» exclusion in the policy.

In Florida, uninsured motorist coverage, which covers the policy holder against any damages to his own vehicle caused by an uninsured or under - insured drivers, is not required in the state.

If you don't have your own policy and are not covered by a family member's policy in your household and if you are injured as a pedestrian by an uninsured vehicle or hit - and - run driver or as an occupant of an uninsured vehicle in New York State, you may still be eligible for uninsured motorists protection and No - Fault coverage.

The limits of such underinsured motorist bodily injury coverage shall be equal to the highest limits of bodily injury liability coverage for any one vehicle insured under the policy; provided, however, that (i) the limits shall not exceed one million dollars ($ 1,000,000) per person and one million dollars ($ 1,000,000) per accident regardless of whether the highest limits of bodily injury liability coverage for any one vehicle insured under the policy exceed those limits, (ii) a named insured may purchase greater or lesser limits, except that the limits shall exceed the bodily injury liability limits required pursuant to subdivision (2) of this subsection, and in no event shall an insurer be required by this subdivision to sell underinsured motorist bodily injury coverage at limits that exceed one million dollars ($ 1,000,000) per person and one million dollars ($ 1,000,000) per accident, and (iii) the limits shall be equal to the limits of uninsured motorist bodily injury coverage purchased pursuant to subdivision (3) of this subsection.