UM can also be used in
hit and run accidents such as the run off the road accident scenario where the responsible motorist is unidentified.
Not exact matches
Such situations can include infant claims, being the victim of a
hit and run accident, or being struck by an uninsured or underinsured motorist.
Hit -
and -
run accidents are exceptionally frustrating for
accident victims, law enforcement,
and car
accident lawyers alike,
and as
such individuals who leave the scene of an
accident can be fined up to $ 2,000, have their licence suspended for no less than three months,
and in some cases spend up to six months in jail.
Some types of
accident claims are handled differently,
such as
accidents ICBC deems low velocity impact collisions or
hit and run accidents for example.
Pedestrians
and bicycle riders are the most common victims in
hit &
run accidents,
and the injuries sustained in
such cases can be extremely severe, or in the saddest cases, fatal.
This defence is what is commonly argued by ICBC»S lawyers in
hit and run situations, where it is alleged that the Plaintiff did not make all «reasonable efforts» to ascertain the identity of the owner
and / or driver of the other vehicle, by doing
such things as notifying ICBC, notifying the police, placing posters at the scene looking for witnesses, placing online ads looking for witnesses, talking to residents
and merchants in the area of the
accident, etc...
Your UM / UIM coverage may apply in other situations as well
such as if you were injured in a
hit -
and -
run accident.
In more serious bicycle
accidents, drivers can be charged with a misdemeanor or felony offense
such as reckless driving, failure to properly stop at a stop sign or crosswalk,
hit and run, or driving under the influence of alcohol or drugs.
You can also choose to include collision
and comprehensive coverage to help pay for additional costs to your car if you are found at fault or if the
accident is caused by a third party (
such as a theft,
hit or
run or storm damage).
Egregious crimes
such as
hit -
and -
run accidents also add points.
Usually it's a combination of a couple of traffic violations, an
accident or two,
and / or a major driving offense
such as a DUI / DWI or a
hit -
and -
run.
Such a policy can also provide coverage for
hit and run accidents.
If the plane
hits a bump or
runs into something on the tarmac
and causes a minor injury
such as a sprain, laceration or fracture, flight
accident insurance does not cover that.
Violations
such as speeding, making an unsafe lane change, or an at - fault
accident will give you lower points than serious violations,
such as reckless driving,
hit -
and -
run, DUI, or driving with a suspended or revoked license.