Sentences with phrase «injuries of the insured driver»

What most policyholders don't realize, though, is that medical payments insurance covers so much more than just the injuries of the insured driver.

Not exact matches

Liability insurance is the minimum amount of insurance required, because it's designed to award compensation for injuries sustained by the insured driver as well as other motorists» vehicle damage.

Every driver involved in an Illinois auto accident is required to file a traffic crash report if the accident resulted in: bodily injury, a fatality, or, more than $ 1,500 of property damage (if both drivers are insured — $ 500 if either of the drivers is uninsured).

The significant difference of a road traffic accident claim is that some injuries are caused by drivers who are either not insured, or can not be traced (in a hit and run for instance).

(a) a person insured under the contract is legally entitled to recover from the owner or driver of an uninsured automobile or unidentified automobile as damages for bodily injuries resulting from an accident involving an automobile;

Unfortunately, many accident victims discover the at - fault driver is not insured or does not have adequate insurance to cover the balance of your personal injury claim.

Here is an example of under - insured motorist coverage in action: Suppose you collide with a negligent driver and suffer serious injury.

In many cases, commercial vehicles are insured by a business or organization, and are covered adequately for cases of driver error, which result in accident with injury.

This coverage protects insureds in the event they are involved in a crash with an at - fault driver who either doesn't have auto insurance (as required by law) or doesn't have enough auto insurance liability coverage to cover the full cost of the plaintiff's injuries and damages.

In other words, if a negligent motor vehicle operator with 50k policy liability limit rear ends a pickup truck motorist and the pickup truck driver has 50k in medical bills as well as lost wages, traumatic brain injury and pain and suffering then the injured motorist can collect the $ 25,000 policy from the tortfeasor in addition to his own $ 100,000 under - insured motorist policy for a total of $ 125,000.

In Illinois, drivers are required to report traffic accidents within 10 days if the crash resulted in a fatality, injury, or more than $ 1,500 in property damage if all drivers are insured, or more than $ 500 if any of the vehicles involved are uninsured.

Section 265 coverage compensates victims of motor vehicle accidents for their injuries by uninsured or unidentified drivers and is different and apart from underinsured claims for inadequately insured drivers.

In Evans v Secretary of State for Transport and the MIB [2003] ECR I - 14492 (ECJ Case C - 63 / 01) the Court of Justice of the European Union (CJEU) ruled that the UK's obligation under what is now Art 10 is to set up and maintain a system to provide compensation to victims of injury caused by untraced drivers «equivalent to, and as effective as, that available to persons injured by identified and insured vehicles».

Analysis used a consistent base profile for the insured driver: a 30 - year - old single male driving a 2013 Honda Accord EX with a good driving history and coverage limits of $ 50,000 bodily injury liability per person / $ 100,000 bodily injury liability per accident / $ 50,000 property damage liability per accident with a $ 500 deductible for comprehensive and collision.

Unfortunately, bodily injury is covered under the liability portion of your insurance and therefore insures the other driver.

Uninsured / Underinsured Motorist Coverage covers the cost of damages, repairs, or injuries caused to the policyholder or passengers in his / her vehicle in the event of a collision with an uninsured or inadequately insured driver.

Helps pay for damages due to bodily injury that you and other passengers of your vehicle are legally entitled to from another driver who is not insured or is underinsured.

All compensation shall be payable only with the approval of the insured and directly to the injured driver or to his / her legal representatives whose receipt shall be a full and final discharge in respect of the injury to such person.

No - fault laws generally require drivers to carry both liability insurance and personal injury protection coverage to pay for basic needs of the insured, such as medical expenses, in the event of an accident.

In the event the insured individual is at - fault in an accident, bodily injury liability will pay for the medical bills of the other driver and the passengers in their vehicle.

If a driver or owner of a vehicle does not have insurance and is legally liable for an accident, you can use UM coverage for injuries, including death, that you, your resident relatives and occupants of your insured vehicle sustain, up to the limits that you select.

Uninsured / Underinsured Motorist Coverage Coverage pays for property damage or bodily injury if you are in an accident caused by an uninsured motorist (a driver who does not have the minimum level of insurance required by law) or a driver who is insured, but who has less coverage than your underinsured motorist coverage

Uninsured motorist liability coverage pays for the injuries and medical expenses of the insured driver and any passengers if they are hit by a motorist without insurance.

Bodily injury liability protection pays the doctor's expenses of the other driver and their passengers when the insured individual is revealed to be at - fault during the car accident.

In the event the insured party is at - fault in an accident, bodily injury liability will pay the doctor's costs for the driver and passengers of the other car.

Injury sustained while taking part in Mountaineering, hang gliding, parachuting, bungee jumping, racing by any animal or motor vehicle or motorcycle, snowmobiling, motorcycle / motor scooter riding (whether as a passenger or driver), scuba diving involving underwater breathing apparatus (unless PADI or NAUI certified), water skiing, wakeboard riding, jet skiing, windsurfing, snow skiing and snow boarding, and any sport, recreational, athletic, or adventure activity which is undertaken for thrill seeking and exposes the insured to abnormal or extreme risk of injury and / or is in violation of applicable laws, rules, or regulations.

Auto insurance policies generally provide uninsured and underinsured motorist coverage, which cover an insured when another driver is liable for an accident but either has no insurance or has insufficient insurance to cover the full extent of the loss or injury.

Bodily injury liability covers hospital costs for the driver and passengers of the other automobile if the insured party is accountable for the accident.

This is because the no - fault law protects insured drivers from being sued, and covers injuries regardless of fault.

Uninsured motorist bodily injury insurance (UM or UMBI) covers you, the insured members of your household (resident relatives) and your passengers for bodily / personal injuries, damages, or death caused by an at - fault driver who doesn't have insurance (uninsured) or, in some states, by a hit - and - run or miss - and - run driver.

In these states, an insurance company will pay for its own insured driver's injuries (and passengers» injuries), regardless of who is at fault for an accident.

Personal injury protection may be available to drivers in states with no - fault insurance laws, meaning that a driver's insurance provider covers damages incurred to the insured in an accident, regardless of who is at fault.

In the event the insured party is at - fault in an accident bodily injury liability covers the doctor's costs of the other driver and their passengers.

Liability takes charge of both bodily injuries and property damages that are incurred by the insured driver.

If a driver or owner of a vehicle is legally liable for an accident but does not have enough insurance, you can use UIM coverage for injuries, including death, that you, your resident relatives and occupants of your insured vehicle sustain, up to the limits you select.

The first type of liability coverage, bodily injury liability, covers the driver and insured peoples in the vehicle for any medical expenses needed as a result of the accident.

Uninsured Motorist Coverage, paired with Underinsured Motorist Coverage: These coverages pay your injury and property - related expenses in situations where the other driver is not insured or do not have the amount of insurance needed to pay for your expenses.

The first bodily injury number is the minimum amount of coverage a Texas driver can have insuring against the injury of one person involved in an accident for which the policy holder is at fault.

Illinois is a «fault» state, which means that the company insuring the driver who causes the car accident has to cover the costs of any injuries or property damage.

If you or your passengers sustain injuries or your car is damaged and the driver who caused the accident is not insured, uninsured / underinsured motorist coverage will help pay for treatment of those injuries.

Bodily Injury Liability Bodily injury liability covers the doctor's expenses of the other driver and their passengers when the insured is discovered to be at - fault for an accident.

Underinsured motorist Coverage: This coverage enables you to receive payments for injuries and property damages if you were hit by an at - fault driver who is insured, but for less than the actual cost of the damages, or less than your underinsured motorist coverage on your policy.

If you, as an insured driver, sustain injuries from an accident of this nature, your uninsured motorist coverage will not kick in.

Medical payments car insurance protection covers the insured drivers and passengers for additional expenses related to medical needed as a result of injuries stemming from accidents.

Single accident auto liability bodily injury protection is earmarked for payment toward any and all costs of medical care and other expenses directly related to injuries suffered by all parties victimized by the guilty insured driver.

To insure your own vehicle or to provide coverage for yourself as a driver against injuries, you need to add additional optional areas of coverage in addition to your AZ liability auto policy.

Liability insurance takes care of the property damage and bodily injury expenses incurred by other parties involved in an accident for which the insured driver is held responsible.

Drivers must carry up to $ 25,000 per person and up to $ 50,000 per accident in bodily injury liability, which covers medical costs and loss of wages for occupants in the vehicles other than the insured.

In a sense this makes the process of making a claim a lot easier than when insuring under a tort system (the more common way to handle road accidents in the United States); however, it also means you lose some of your rights to sue the individual driver if faced with serious injury or fatality.

Other states requires motor vehicle insurance policy to include in their coverage the insures persons right to recover damages from car drivers of uninsured or underinsured vehicle for bodily injuries, diseases or death caused to the insured person.