February 5, 2013 News Releases Commissioner Doak Recommends Legislation to Create Temporary Insurance Plan
for Uninsured Drivers Insurance Commissioner Also Announces Creation of Coalition Against Uninsured Drivers OKLAHOMA CITY — A pair of legislative proposals would allow law enforcement officers to remove the tags of uninsured vehicles and create a temporary insurance plan for them.
Not exact matches
The cost of compensating the victims of accidents involving
uninsured drivers is # 500 million a year, paid
for by honest motorists through their
insurance premiums.
Ordinarily you could file a claim
for $ 20,000 from the at - fault motorist's bodily injury liability coverage, but since the other
driver is
uninsured, you need to tap into your Uninsured Motorist I
uninsured, you need to tap into your
Uninsured Motorist I
Uninsured Motorist
Insurance.
There's also the same required bodily injury limit
for uninsured / underinsured
driver's
insurance.
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.
There's not a lot of mandatory coverage in the state of Florida, but Brandon
drivers aren't going to let their premiums soar
for almost any reason, where
uninsured drivers and traffic incident statistics push
insurance rates through the roof.
* Awarded a 5 Star Rating from Defaqto, our comprehensive car
insurance provides excellent benefits such as the
uninsured driver promise and new
for old cover.
It is not required
for drivers to purchase
uninsured or underinsured motorist coverage; however, this coverage provides
for a person's own expenses in the event that the at - fault
driver has no
insurance or has inadequate coverage.
While it is natural to be angry at the at - fault
driver for not having
insurance and negligently injuring you, you should use your
uninsured motorist coverage to protect yourself.
Whether you wish to pursue further legal action against an
uninsured driver or an
insurance company, it's important to hire an attorney who has extensive experience working on cases just like yours, who isn't intimidated by
insurance companies, who can relieve stress in an already stressful situation, and who will fight
for your legal rights to achieve the best possible outcome
for your accident case.
For under - or
uninsured drivers, your attorney can seek other potential sources of recovery, including assets such as business
insurance, homeowner's policies, or a trucking company's
insurance.
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.
If a negligent
driver without car
insurance injures you in a car accident, then your
uninsured motorist coverage will step into the shoes of that
uninsured driver and provide payment
for your injuries.
Uninsured / underinsured motorist coverage is designed to provide
for you when a
driver doesn't have adequate
insurance or when you do not know who the negligent
driver was.
Unfortunately, many
drivers» own
insurance companies attempt to undervalue their case, or will only pay a small portion of what an experienced
uninsured motorist lawyer could recover
for them.
If you have
uninsured or underinsured motorist coverage
insurance, you may be able to get paid
for your injuries, medical bills and lost income even if the other
driver does not have liability
insurance or does not have enough liability
insurance coverage.
This is auto
insurance that you purchase that pays you
for harms caused by an
uninsured or underinsured
driver that go uncompensated from the person who caused the accident.
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.
So in a pure
uninsured motorist case where the other
driver either can not be identified (hit - and - run or phantom vehicle are the most prominent examples) or has no
insurance, your own
insurance company essentially steps in the shoes of the defendant, assuming the at - fault
driver's liability
for the accident but also his damages.
It protects you not only from
uninsured drivers, but also from hit - and - run
drivers, phantom vehicles and
drivers who do not have enough
insurance to pay
for your damages.
Uninsured motorist
insurance — which is available
for all
insurance policies written in Maryland — also covers claims made
for victims involved in accidents where negligent or drunk
drivers leave the scene of the accident.
Many, if not most of our
uninsured clients come to us after trying unsuccessfully to have the
insurance company
for the other
driver pay
for their medical expenses.
Under California law,
uninsured motorist
insurance is automatically underinsured motorist
insurance, which means that whether the
driver has no
insurance or not enough
insurance to pay
for your injuries, you can turn to your own
insurance company
for compensation.
Other Auto
Insurance Coverage - Sometimes an
uninsured driver will have coverage under somebody else's policy,
for example, by virtue of being a dependent residing in the household of an insured
driver.
If the
driver who hit you is
uninsured, you can seek reimbursement
for your medical bills and your pain and suffering from your own
insurance.
As
uninsured drivers often have little to nothing in the way of personal assets, and by definition do not have any
insurance coverage
for the accidents they cause, a person injured by an
uninsured driver may have difficulty recovering adequate compensation
for those injuries.
For instance, in some automobile accident cases, there is both a tort claim against the negligent
driver and an
uninsured / underinsured motorist claim against the client's
insurance company.
Your
uninsured motorist coverage can be used to pay
for your property damage or physical injuries anytime you are involved in an accident with another
driver who should be liable
for your damages, but does not have
insurance, or does not have enough
insurance to pay
for your losses.
You may also have claims against the
driver of your vehicle, and your own
insurance provider
for uninsured or under - insured motorists.
It is estimated that 15 percent of all
drivers are
uninsured and countless others have so little
insurance that if you get hit, you may need to tap into your own
insurance for compensation.
Although it is mandatory
for everyone to obtain minimum liability auto
insurance before registering their vehicle — which includes $ 25,000 / $ 50,000
for bodily injury, $ 25,000 / $ 50,000
for uninsured and underinsured motorist bodily injury, $ 10,000
for property damage and $ 50,000
for personal injury protection — some
drivers continue to get behind the wheel without adequate coverage.
For those unfamiliar with
uninsured motorist
insurance, the purpose of the clause in an
insurance policy is to protect a
driver if they should find themselves needing compensation from an
uninsured, or only partially insured,
driver.
The Illinois Supreme Court has determined the «named
driver exclusion» contained in
uninsured / underinsured motorist (UM / UIM) auto
insurance policies is invalid
for violation of the state's mandatory
insurance requirements and public policy where the exclusion bars coverage
for the named insured.
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.
The
uninsured motorist coverage
insurance is said to «stand in the shoes» of what would have been the liability
insurance company
for the at - fault
driver who does not have
insurance.
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.
If you get in an accident with an
uninsured driver, you can turn to your own auto
insurance policy
for protection.
Uninsured / Underinsured Motorist Coverage: This is coverage you buy to cover yourself and your passengers if you are injured by a
driver who has no auto
insurance or who does not have sufficient coverage to fully compensate you
for your losses.
In consequence, a
driver who is in a car accident and discovers the other party does not have liability
insurance must rely on
uninsured motorist coverage
for his compensation.
If you are hit by one of the millions of
uninsured / underinsured
drivers in Florida, health
insurance will not compensate you
for lost wages or the pain, suffering, inconvenience, loss of life experiences, emotional burden, or aggravation associated with the accident.
You put in a claim
for an
uninsured driver, but the
insurance company discovers the other
driver had
insurance
When the
driver who caused the injury is
uninsured or the responsible party does not carry enough
insurance to compensate
for the injuries,
uninsured / underinsured motorist coverage also may provide coverage.
What rights may you have against your own
insurance company if the other
driver is
uninsured or if the other
driver has too little
insurance to fully compensate you
for your injuries and losses?
This means that even if you are injured by an
uninsured driver, in addition to being able to pursue a claim against the
uninsured driver directly, you may be able to collect
for your damages from your own
insurance company.
Under New Jersey comparative negligence law, you must prove that the other
driver was more at fault than you
for the accident in order to collect
uninsured or underinsured motorist
insurance benefits.
You may also have rights to pursue your own
insurance company
for benefits, including those
for collisions with
uninsured or under - insured
drivers.
When you come to Duncan Law Firm
for a free case evaluation, I take the time to carefully review your options
for filing an
insurance claim, including the other
driver's liability
insurance, as well as the possibility of filing a claim against your own
uninsured / underinsured policy.
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.
If an
uninsured or underinsured
driver was responsible
for your injuries, we will look to your
uninsured / underinsured motorist (UM / UIM) coverage in your own
insurance policy.
It wouldn't seem right if you were driving with
insurance, and the other
driver was
uninsured, and you didn't have any recourse to claim compensation
for your injuries, pain and suffering.