Sentences with phrase «policy of the negligent driver»
Uninsured and underinsured policies provide the coverage that covers expenses normally taken care of by the at fault driver in situations where that driver does not carry any automobile liability insurance at the time of the accident, or the insurance policy of the negligent driver is not enough to handle all expenses.
http://www.carinsurancequote.net/ Not exact matches
Fortunately, in most of these cases, damages owed by negligent pet owners for injuries to the driver or their vehicle are amounts well within their policy limits.
However, if you have additional coverage of $ 100,000, you will be able to collect $ 100,000 — $ 20,000 from the negligent driver's policy and $ 100,000 — $ 20,000, or $ 80,000 from your policy.
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.
With the high costs of auto repairs and medical bills, your injuries might not be fully covered by the negligent driver's policy.
These are different (but related) provisions of your auto policy and come into play when the negligent driver either has no insurance or insufficient insurance coverage, to pay for the bodily injuries and / or property damage you acquired as a result of a car accident.
If someone else caused your accident, then you can file a third - party liability claim for the amount of the negligent driver's policy limits, which must be at least $ 200,000.
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.
If the bus driver is employed by a bus company or any agency or entity, the company, agency, or entity can also be sued based either on the actions of its employee or based on its own negligent policies and practice (for things like poor hiring procedures or inadequate training).
The bus company's insurance policies were limited and so the lawyers had to focus their efforts on convincing the Ohio courts that the University's own insurance policies, totaling some $ 16 million, should extend additional insurance coverage for the negligent actions of the bus driver.
Underinsured motorist coverage protects you as a covered policy holder from having to personally take care of the costs ordinarily paid by the other party in cases when you get into an accident and the negligent driver has no insurance.
These parts of an auto policy only come into use when the covered driver is not at fault and when the other (negligent) driver is either not insured or has insufficient coverage to handle all expenses.
If you are involved in an accident with an uninsured driver and that driver was at fault for the collision, your uninsured policy will pay out for the losses that would normally be the responsibility of the negligent driver's liability insurance.
Insurance companies encourage people to purchase this policy because the injured persons would be taken care of immediately and they would not sue the driver who had been at fault for negligent driving.