This coverage helps financially protect legally insured drivers from an accident with an at -
fault driver without insurance.
Not exact matches
If you are injured through no
fault of your own by a
driver without car
insurance, we strongly recommend that you contact Cooper Hurley Injury Lawyers for a free consultation to talk over your options and discuss making an uninsured motorist injury claim.
That creates an incentive for those
drivers to take off if they are at
fault in a crash because they could face criminal penalties for driving
without insurance, and they may be held personally liable to compensate accident victims.
After an auto, truck or motorcycle accident, a
driver with a no -
fault car
insurance cover can claim compensation for damages
without considering who was at
fault.
There are many
drivers on Michigan roads today who take the risk and drive
without no -
fault insurance.
Even though the law requires Michigan motorists to carry no -
fault automobile
insurance, there are still many
drivers out there
without it.
If you are a passenger, pedestrian or cyclist
without auto
insurance, you may have to file the claim under the policy of the vehicle owner or operator or under the policy of the at -
fault driver.
For instance, if you are involved in an automobile accident which was not your
fault and the other
driver has an
insurance policy with low limits which will not fully compensate you for your injuries, then you may be successful in handling the claim
without an attorney.
Without careful planning, this case would yield poor results because the at
fault driver has minimum
insurance limits.
If you have uninsured / underinsured motorist bodily injury coverage (also called UIM or UMBI), then you can turn to your own insurer for help in crashes where a
driver without sufficient
insurance is at
fault, or in a hit - and - run.
For example, if you have uninsured / underinsured coverage of $ 300,000 and you sustain $ 400,000 in personal injuries caused by an at -
fault driver with $ 200,000 in bodily injury liability,
without underinsured conversion coverage you would normally only be able to collect the $ 200,000 from the other
driver's
insurance plus $ 100,000 from your own underinsured coverage, which equals your $ 300,000 limit.
Michigan operates under a No
Fault Law, meaning that your
insurance company covers your expenses, and the other
driver's
insurance company covers them when an accident occurs,
without regard for who is at
fault.
No
fault insurance means that a
driver who is involved in an accident
without proof of
fault is reimbursed for their costs by their own
insurance company.
No
fault insurance implies that a
driver who's involved within an injury
without evidence of
fault is reimbursed for his or her prices by their particular
insurance company.
California enforces
insurance requirements for vehicle registration to ensure that car owners and
drivers are financially responsible for injuries and / or damages resulting from an accident,
without regard for
fault, and to keep uninsured vehicles from traveling the state's highways.
If you are hit by a motorist who is driving
without insurance and don't have uninsured motorist property damage, then you would be left to go after the at -
fault driver to pay for your damages.
If one of these uninsured
drivers hit you, you could try to pursue the at -
fault driver for your medical expenses, but it's doubtful that a person driving
without insurance will have the money to pay you.
Another important aspect of driving in Maryland is when in an accident the
driver without insurance is going to be «at -
fault» which is common in Baltimore, Annapolis, Hagerstown, and Rockville.
PIP allows you to receive and pay for medical care immediately after an accident,
without having to wait for your car
insurance provider to determine who was at
fault or reach a settlement with the other
driver.
This covers expenses that you incur in an accident that is the
fault of a
driver without (or
without enough)
insurance to cover your costs.
Medical expenses and the cost of trying to deal with repairing the other
driver's car following an at
fault accident would be a nightmare scenario
without a good liability
insurance policy.
If you opt to drive
without insurance, you are required by law to meet the New Hampshire Motor Vehicle Financial Responsibility Requirements; uninsured
drivers who get into an accident where they are deemed «at
fault» must be able to pay for damage to the other vehicle (and the people in it) out - of - pocket.
Many New Mexico
drivers also carry uninsured motorist
insurance that will pay for damage when a
driver without insurance hits you and / or medical payment coverage (MPC) that covers medical expenses for you and your passengers regardless of who is at
fault in an accident.
The percentage of Massachussetts
drivers without required coverage is considerably lower than the national average, but you could still be involved in an accident where the at -
fault driver is
without insurance.
If you get hit by a
driver without insurance or the at -
fault party flees the scene, uninsured motorist coverage will pay for your medical bills.
Moreover, if you are involved in an accident
without New Orleans
insurance, the law known as «No Pay, No Play» will prohibit you from collecting the first $ 10,000 in property damages and the first $ 10,000 in personal injuries from the other
driver, even if he is at
fault.
For some
drivers who have been dropped from their standard auto
insurance policies because of a DUI, at
fault injury accident, or series of moving violations, there exists a great temptation to just go
without insurance altogether.
The percentage of Massachussetts
drivers without required coverage is considerably lower than the national average, but there is always a chance that you will be involved in an accident where the at -
fault driver doesn't have
insurance.
The percentage of New Jersey
drivers without insurance coverage is lower than the national average, but there is always a risk of being involved in an accident where the at -
fault driver has no
insurance.