Sentences with phrase «insured drivers carry»

According to 2004 data from the National Association of Insurance Commissioners, 72 percent of insured drivers carry this coverage.

The basic liability coverage every insured driver carries shields the policy holder from personal financial responsibility in the aftermath of an at - fault car accident, while extra optional forms of coverage round out the package of coverage, protecting the policy holder in other areas.

Not exact matches

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.

A driver who carries a statutory minimum for being allowed to drive on a public highway is consciously self - insuring for liability above the limits.

If an under - insured or uninsured driver seriously injured you, a member of your family, other dependents, or occupants of your vehicle, the amount of insurance and the insurance endorsements that you carry, has a sobering impact on your rights.

Nonetheless, these for - hire companies not only require that their drivers to be well - insured, but the companies themselves carry $ 1 million insurance for passenger injuries while the driver's app is active.

It is always a good idea to carry uninsured and underinsured coverage because you never know when you will be in an accident and whether the other driver will be properly insured.

Underinsured motorist (UIM) coverage allows insureds to seek recovery from their own insurance company when an at - fault driver is underinsured — carrying less liability coverage than necessary to cover the injured party's claim.

It's a wise idea to carry this type of coverage as one in eight drivers isn't insured, according to the Insurance Research Council.

This is intended to cover insureds for bodily injury or property damage that they sustain if involved in an accident with a driver who does not carry a policy or whose liability limits are not sufficient enough to compensate for the losses caused.

The insured driver must also carry a minimum of $ 10,000 of property damage liability.

If you regularly borrow a car from a friend or neighbor and are not listed as an insured driver on their personal auto policy, you would be wise to purchase a non-owner liability insurance policy, especially if the vehicle owner carries low liability limits.

Minimal insurance policies cover only third parties (including the insured person and third parties carried with the vehicle, but not the driver, if the two do not coincide).

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.

They have made it mandatory for insured drivers to carry UM in the event of an accident with a uninsured motorist.

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.

Unfortunately, the trend in more expensive premiums also means more drivers will stop short of fully insuring themselves, so it's always smart to carry uninsured / underinsured motorist coverage.

In this case, though, the «self - insured» driver belonged to the Mint Hill Mennonite Church, which offers a certificate to members stating they can be self - insured but must carry the state's mandatory minimum coverage limits of $ 50,000.

If you are in an accident, there's a good chance that the other driver will not be insured — 12.6 percent of all drivers or one in eight are uninsured on average in the U.S.. It's a bit higher in Kentucky, with 15.8 percent of all drivers not carrying the insurance required by law.

Other factors that affect the cost of insurance for high - risk drivers include the state the policy is sold in, the type of vehicle being insured and the coverages carried on the policy.

The result for all of us who insure our vehicles legally is this: we essentially pay the cost of the uninsured drivers and the policies they should be carrying.

State auto insurance companies are not allowed to even offer policies carrying lesser coverage, so it is unlikely a driver would ever run into a situation where they were insufficiently insured if they carried coverage at all.

Third party auto insurance is the only type of auto insurance every driver has to carry, so it is the universal insurance all insured drivers have in common.

Uninsured motorist coverage insures you in the event that you are in an accident with a driver who is not carrying the legally required insurance.

Younger drivers often carry a higher likelihood of accidents because of their inexperience in driving and therefore, cost more to insure.

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.

Driving Miss Daisy drivers must pass a background check, have a clear driver abstract, a first aid certificate and general liability and legislated auto insurance so they are properly insured to carry passengers.