Sentences with phrase «underinsured if»

A driver is underinsured if they carry less coverage than the amount of the injured party's claim.

If you stick with these minimums, however, you could find yourself significantly underinsured if you cause an accident and costs are higher than what your insurance covers.

And where home insurance is concerned, making sure that you're not underinsured if you live an area where wildfires or landslides are a serious risk, and that you acquire additional Earthquake Coverage in high risk areas of the state, are just a few examples of the unique insurance considerations that make understanding California insurance so important when you start shopping around.

You will be underinsured if there is a gap between the estimated rebuilding costs and the actual rebuilding costs.

You are considered to be underinsured if your insurance covers less than 90 % of the rebuilding costs.

And where home insurance is concerned, making sure that you're not underinsured if you live an area where wildfires or landslides are a serious risk, and that you acquire additional Earthquake Coverage in high risk areas of the state, are just a few examples of the unique insurance considerations that make understanding California insurance so important when you start shopping around.

Not exact matches

«If you're uninsured or underinsured, you can run up a huge debt in a short period of time,» says Lois Lupica, a bankruptcy expert and Maine Law Foundation Professor of Law at the University of Maine School of Law.

If optimized correctly, savings from just half of avoidable drug - impacted medical costs are more than enough to fund the uninsured and underinsured, while also reducing premiums for all Americans.

If you're an evangelical who is unemployed, underemployed, underinsured, or your mortgage is underwater, you may be more open to what I am saying.

The Health Department is offering the flu vaccine free of charge if you: are 65 years and older (please bring identification with proof of age); have Medicare or Medicaid (please bring your card); or are uninsured or underinsured.

Underinsured or uninsured motorist insurance is designed to protect you if the other driver is not properly insured, so you do not end up paying more than you deserve to.

Just call and work with an insurance expert and we can look at your options, make sure you're not currently underinsured, and even see if an umbrella policy might be appropriate.

This coverage pays your claims if you get injured or have property damaged in an accident caused by an uninsured or underinsured motorist.

If you have an accident with an uninsured or underinsured driver, there is no need to panic.

If you are worried about being in an accident caused by an uninsured motorist, consider adding uninsured / underinsured motorist coverage.

For example, if you had limits of $ 100,000 uninsured / underinsured motorist bodily injury coverage on the policies for each of your two cars and were injured in a crash caused by an uninsured motorist while driving one of your cars, you could add the limits from your two policies together to help pay for the damages — to a combined limit of $ 200,000.

For example, if you have uninsured / underinsured motorist coverage with limits of $ 100,000 on two policies on your two vehicles, and you're injured when an uninsured motorist hits one of your vehicles, if your policy is «stackable,» your costs would be covered up to the combined limit of $ 200,000.

If these statistics make you wonder how to protect yourself and your family, consider carrying uninsured / underinsured motorist coverage.

If you can't find Guaranteed Replacement Cost on your home then make sure you don't underinsure at the beginning of the policy, check the value every year and request at least 50 % Extended Replacement Cost coverage.

For instance, if you went with the minimum liability requirements for Tennessee drivers — which, as of 2010, were $ 25,000 bodily injury per person, $ 50,000 bodily injury per accident, and $ 15,000 property damage — you would probably be underinsured, according to most experts.

Therefore, if you bought a policy that simply meets the state requirements, you will not have collision, comprehensive or uninsured / underinsured motorist coverage.

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.

It can also cover you for injuries caused by an uninsured or underinsured driver if you select this coverage.

If you choose a total replacement policy, you are less likely to be underinsured.

You don't have to add coverage for uninsured and underinsured drivers to your policy, but if you get into an accident with either, you'll be glad if all the damages are covered.

Your individual policy outlines the exact requirements, and there are limits involved (further underwriting if you want to increase the death benefit or fees to decrease it), but it can keep you from over - or underinsuring yourself.

Uninsured / underinsured motorist insurance can compensate you if you're in an accident caused by someone who doesn't have enough coverage to pay for your losses.

Car insurance policies include uninsured and underinsured motorist coverage that protects you if someone hurts you but does not have enough insurance to cover your injuries.

When you purchase UM coverage as part of your policy, your car insurance company agrees to pay a certain amount in coverage if you are involved in a car accident with an uninsured or underinsured driver.

Even if the driver who hit you was uninsured or not sufficiently insured to cover your costs, we can help you bring a claim against your own insurance provider based on the uninsured or underinsured motorist provision of your coverage.

This means that it is likely that if they hurt you you can only recover $ 12500 unless you have your own underinsured motorist coverage.

If you see these letter, it means that you have uninsured or underinsured motorist coverage that if necessary can be used to help in the recoverIf you see these letter, it means that you have uninsured or underinsured motorist coverage that if necessary can be used to help in the recoverif necessary can be used to help in the recovery.

If you or someone you care about has been injured in an accident caused by a driver who was uninsured or underinsured, please do not hesitate to reach out to Duncan Law Firm for the support and legal assistance you deserve.

Underinsured car accident coverage protects you if you are seriously inured by someone who has very little insurance or no insurance at all.

It is strongly recommended that a motorcyclist obtains Personal Injury Protection (PIP) coverage if available, and also opts - in for uninsured motorist and underinsured motorist coverage.

If, on the other hand, the motorist's automobile insurance coverage is insufficient to cover your injuries, an injured cyclist can file a claim under their underinsured motorist coverage.

If the other driver's insurance does not fully cover your injuries, you may be able to collect uninsured or underinsured coverage from your own car insurance policy.

Any amount owed over and above the initial $ 200,000 policy is paid out the injured party's underinsured motorist protection, if any.

If you find yourself needing to file a claim including underinsured (or uninsured) motorists, then the state where you obtained and maintain your insurance might factor into the equation as well.

You should consider hiring a personal injury lawyer if: you have sustained serious injuries that may have long - term repercussions, if the other driver is uninsured or underinsured, if you are in dispute with the other driver over who was at fault, if you are being pressured by the adjuster into agreeing to a quick settlement, or if you feel that you have not been offered fair compensation.

When a cyclist is hit by a vehicle and the cost of his or her injuries exceeds the coverage of the motorist's insurance plan, the cyclist can make a claim on his or her own automobile insurance policy if through «uninsured motorist coverage» and / or «underinsured motorist coverage.»

Fortunately, if they are insured drivers in Canada, their own policies will usually respond to provide underinsured insurance coverage.

In the above example, if you did not have underinsured motorist coverage, even though your damages exceeded $ 15,000.00, you would only be entitled to the $ 15,000.00 in coverage by the party that caused your injuries and damages.

If the driver is an independent driver or working for a company that does not satisfy the federal requirements governing commercial motor vehicles, a victim may find himself facing a situation where the driver and the motor carrier for whom he worked are not insured or are underinsured.

If you are struck as a pedestrian by an uninsured, underinsured or even a hit - and - run driver, and you maintain a policy of uninsured motorist coverage, you might be covered and eligible for compensation for your injuries.

So if the liability policy is lower than the UM / UIM limits, you are going to be capped in your recovery for the uninsured / underinsured motorist claim by the amount of the policy.

If you've been injured due to another person's negligence in operating an ATV or similar unit, there is usually insurance available to cover your injuries, including liability insurance on the specific recreational vehicle, homeowner's insurance, uninsured or underinsured coverage, and umbrella policies.

If the driver was uninsured or had minimal coverage, your injury attorney can handle your uninsured or underinsured claim with your own insurer.

Consult with an experienced accident lawyer if you have been injured in an accident caused by an uninsured or underinsured motorist.

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 coveragIf 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 coveragif the other driver does not have liability insurance or does not have enough liability insurance coverage.