Uninsured Motorist FAQs
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Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Jun 28, 2022
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What is uninsured motorist coverage?
Uninsured motorist auto insurance was created to protect drivers from other motorists operating vehicles without car insurance. Especially in at fault states, if a driver causes an accident but does not have insurance it is possible they will not be able to pay for the damages they’ve caused.
Auto insurance companies have rules and in at fault states they are only responsible for paying damages if their customer causes the accident. If you were the victim of a car accident and the other drivers couldn’t pay for the damages they caused, you would have to take care of the damages as an out of pocket expense.
Another reason for the existence of uninsured motorist coverage is to tackle the problem of hit and run drivers. If you are struck by vehicle and they leave the scene of the accident, it can be difficult to track down that driver to get their information and receive compensation from their insurance companies.
There are multiple reasons people would leave the scene of an accident: they are in a hurry, there is a warrant out for their arrest, or they do not have insurance coverage. Whatever the motive, the hit and run would make it very difficult for a victim to get their damages paid for. This is where uninsured motorist coverage can be the extra protection they were looking for.
Uninsured motorist coverage will pay for medical expenses, death and funeral expenses, loss of wages or income, and pain and suffering costs.
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What does uninsured motorist cover?
Technically, it is up to you to design your uninsured motorist coverage.
Options can be from these common features:
- Property Damage — pays to repair property damaged by a crash caused by someone without insurance
- Bodily Injuries and Liability — pays for medical treatment caused by an accident where you are at not at fault
- Personal Injury Protection — pays for your medical bills up to a pee-designated limit including loss of income regardless of who is at fault
For no fault accident on the part of the policy holder, the insurance company is not allowed to increase premiums. One exception to this is if the policy holder files 3 or more claims under this insurance type in 5 years.
Uninsured motorist coverage is really a reasonable amount you pay to cover unexpected accidents where your regular basic car insurance will not cover because the fault lies with a third party or other driver with no insurance or insufficient to cover the expenses.
Will uninsured motorist cover your car when the person driving is unlicensed?
The driver at fault is always the primary person who is liable for any damages he or she caused whether licensed or unlicensed. Obviously the problems are more complicated with an unlicensed driver. The no fault driver is free from the risk of civil lawsuit but if he is found to also be driving without a valid driver’s license, there will be penalties and fines to be paid. If the owner of the vehicle is not the unlicensed driver, the car owner and policy holder can be open to civil suits and charged for damages by the injured party.
The legal cases will be treated independent of each other under the mandated rules of liability of the country. This means the unlicensed driver is charged separately from the car owner. Uninsured motorist coverage may not be valid or paid out because of the offense of driving without a license for the one at fault.
Is uninsured motorist property damage coverage on vehicle level basis?
Yes and no. There are 2 types of uninsured motorist coverage: property damage and bodily injury. There is also single or multiple car insurance. They can be basic or comprehensive. You can list only one car in the insurance policy with uninsured motorist property damage or you can have several cars under one policy with uninsured motorist property damage.
A car owner would want separate policies with uninsured motorist property damage if the cars he owns have extreme market value. For example, one of his cars is a collector’s classic while the other one is a 4 year old sedan. The cost for repairs would be poles apart and he would not want to pay out-of-pocket for the parts that are more expensive and more difficult to find. Also, a classic car would be considered a higher risk for theft or even nuisance damages so the basic premium would be higher than the cost for insuring the old sedan. Thus it would make sense to have two separate policies.
Is uninsured motorist coverage stack-able in West Virginia?
Stacking insurance is used to plug a loophole in the insurance system for uninsured and underinsured person for the Bodily Injury Type. Policy holders stack their policies to broaden their coverage limits. In some states it is considered illegal. For West Virginia, stacking is acceptable under certain circumstances. One would be if the policy holders are related by blood or marriage and live under the same roof. It is also accepted if the injured party with the uninsured motorist bodily injury policy was a passenger in another vehicle when the accident happened. In addition, under the Virginia insurance laws, companies are not allowed to raise premiums for no fault claims.
As for the maximum allowable, it will depend on the insurance company’s adjuster and the details of the insurance policies. If the cost for medical treatment is higher than the pay-out, the injured party can always try to recover some of the cost through the negligent, at-fault driver.
What is uninsured motorist insurance?
Uninsured motorist insurance is protection for you in case you get hit by someone who has no car insurance. With more drivers on the road without insurance and the latest study showing over 25% fall under this situation, insurance companies are offering a plan to protect a person from unexpected medical expenses.
You will be given a choice of property damage, bodily injuries or both by the insurance company. What you choose will be added to your basic premium which you have to pay monthly for the duration of the policy. The coverage for complete underinsured motorist includes medical costs for yourself and any passenger in your car and repairs to car and property.
It is not the same as underinsured motorist coverage which refers to a policy with a huge deductible. The problem with underinsured motorist coverage is if the driver at fault is unable to pay the deductible.
Will uninsured motorist coverage cover hit and run cases?
Yes, uninsured motorist coverage includes hit and run cases but not in all states. You will have to check with your local insurance agent. In addition, there has to be proof presented such as police incident report, witnesses, and the assessment of the insurance company’s claims adjuster.
In some states like Georgia, the insurance company is only obligated to pay property damage if the driver at fault is identified. Under the 22-7-22 code, the insurance company should consider a partial license plate number to locate the driver with the help of police authorities.
It would help if the license plate number of the hit and run car was taken or any description of the driver and the car.
Also, if your uninsured motorist coverage is limited bodily injuries, then you can claim for medical expenses under the terms of the insurance plan. If there is property damage included, then the policy owner can also claim for repairs on the car and other damaged property that may have been involved.
Why is uninsured motorist so expensive for a motorcycle?
A motorcycle rider, passenger or driver is exposed a lot more than a driver in a car. The injuries in accidents are more extensive and costly. This is the primary why uninsured motorist coverage is considered expensive by some. Another reason why many people think that uninsured motorist coverage is higher for motorcycle owners is because this type of coverage is done in increments of $1million but premiums are less than 10% of the policy. Thus they can be put off by the $1 million idea when in fact the insurance premium is not expensive at all.
What a motorcycle owner can do is make sure there is no duplication in coverage. For instance he may have disability or good health insurance so he could be paying for the same thing but not get full benefits of any of the policies. One option he can do is avail of a gap insurance to avoid duplication. Another option would be to get bodily injury protection and not get property damage or vice versa. Talk to your insurance broker about this for a more detailed explanation.
Is uninsured motorist coverage needed in Florida?
The State of Florida does not require motorists to get uninsured motorist coverage. However, it is something that should be recommended by insurance companies in cases the policy holder gets “victimized” by an uninsured driver, hit and run accidents, or underinsured drivers.
In fact, even with your Bodily Injury and Liability coverage, the insurance company will not pay for expenses incurred by a third party. It does not matter how big your Bodily Injuries coverage is.
Uninsured motorist coverage is very specific. It does not cover accidents that are the fault of the policy holder. It can be bought by a person who does not even own a car but bikes or walks to work. Uninsured motorist coverage is usually affordable but it can be increased to the same amount as the Bodily Injury and Liability coverage. That would be your decision to make.
It will compensate you for financial losses that include medical expenses (surgery or physical therapy), a caregiver, lost income and other losses not related to finances such as pain and suffering, inability to engage in sports, etc.
Legally what can I do if an uninsured motorist hits me?
If the uninsured motorist is driving without any kind of basic insurance, then it is illegal and the police will file a criminal case against him. He will have to pay fines and penalties, court fees, get arrested, and have his license suspended. His car may also be impounded depending on the severity of the accident.
On your part, you can sue him for under a personal injury lawsuit. This includes property damage and bodily injury but you must be able to show evidence that he is at fault. Not many insurance companies will come to your aid should you decide to pursue a civil case because they would rather sell you uninsured motorist coverage.
A lawsuit may seem petty if the damage and injuries are minor but in some cases, the injuries may be lifetime or lingering and the property damage immense. It may be worth pursuing the case and getting uninsured motorist coverage immediately.
Is uninsured motorist coverage important?
It is extremely important if you are the kind of person who can’t afford to get injured or confined in hospital because of an accident you did not cause. There are many who depend on their job to get through the month’s bills; there are executives whose company may suffer if they suffer from a lingering injury because of an accident through no fault of theirs. If you fall under any of this or similar situations, you need uninsured motorist coverage.
Another reason why it’s important is because of the economic downturn that the country and the world is going through. Many drivers are not insured or they are underinsured so try as they may, they can’t pay you if you get injured because of something they did on the road.
Ideally, uninsured motorist coverage should be a minimum of $100,000/$300,000 but this can be a little too much for the wallet for many people. Thus, many insurance experts advise getting uninsured motorist coverage at the same amount as the liability coverage insurance.
Does uninsured motorist cover property damage?
There are 3 kinds of uninsured motorist coverage and property damage is one of them. Uninsured Motorist Property Damage or UMPD can be bought and claimed when a vehicular accident occurs with the other driver at fault, or partially at fault and he has no or insufficient insurance to cover the property damage. For many, it seems like a raw deal to be paying for the mistakes of others but it has to be seen as making the best of an impossible situation. Either way, someone has to pay for property damages, and it’s either you or the insurance company.
A person who does not have car insurance or buys limited low-end car insurance does so because he cannot afford to buy more, at least this is the case most of the time. Thus, trying to squeeze him to cash out money to pay for damages would be a futile and frustrating exercise. The UIPD coverage simply removes that angst for a nominal fee added to your existing car insurance.
Uninsured motorist coverage, am I covered for collision if I did not have collision rider on my policy?
Uninsured motorist coverage can cover collision under the uninsured motorist property damage coverage. If you have this in your car insurance policy, then you are covered. Property Damage under Uninsured Motorist is one of 3 types.
Property Damage under the uninsured motorist coverage confuses many people because there is a separate coverage for collision. The main difference is that Uninsured Motorist Property Damage covers incidents when the other driver is insufficiently insured. He is responsible for paying for the damages but he can’t. The Property Damage allows you to transfer to cost to the insurance company instead of being forced to shoulder to cost out of pocket.
The other main type of uninsured motorist coverage is Bodily Injury. This and Property Damage under Uninsured Motorist coverage should be able to cover your costs for an accident that is not your fault. It can also cover other passengers in your car and when you are riding as a passenger or walking along the street and you get hit by a driver who has no insurance.
If I have collision insurance why do I need uninsured motorist?
Collision insurance only covers accidents where you are at fault as the driver. If the other driver is at fault, technically you shouldn’t pay or have to file an insurance claim against your policy. Unfortunately, there is a growing number of American motorists who are taking the risk of driving without insurance or buying the bare minimum. In the event of a big accident, this insurance will not be sufficient to cover expenses in which case you have to pay out of pocket and/or sue the driver.
Also, while you can claim against your insurance policy, it will put you on the list of potential high risk clients. Should it happen too often for the comfort of the insurance company (which could mean anywhere from one to 5 claims), you will have to pay higher premiums. This puts you at a big disadvantage even if you have done nothing wrong.
Do I need uninsured motorist if I have health insurance?
Yes because there may be cases when the accident involved property damage caused by the uninsured driver. In short, you may not need medical treatment but your car or any other property may need repairing or replacement of parts.
Also, if the medical costs are high, your health insurance may not be enough to cover the costs which means you will end up paying out of pocket for the balance and whatever recurring medical expenses there may be.
Furthermore, uninsured motorist coverage also includes a clause about loss of income who while you are being treated, you can still have a source of funds to cover daily needs other than medical.
The scope of uninsured motorist coverage is broader than health insurance not to mention that it prevents you from claiming for something that wasn’t your fault to begin with. It may not seem fair for you to pay additional insurance for someone else’s fault but that’s the reality, and it is what it is — making the best of the situation.
Is uninsured motorist coverage mandated by law?
Not in most states. In fact a growing number of drivers do not even comply with the mandated liability insurance for lack of funds. Or they under insure or buy the threadbare limit just to be able to register their vehicle.
Many states though are required to inform their customers of the uninsured motorist coverage and ask them if they would like to get this additional insurance. It is not very popular because of the perception that it is a duplication of the basic medical and liability insurance coverage. Another common assumption about the uninsured motorist coverage is that it is expensive and unnecessary since the law does not demand it of car owners and drivers. The truth is that this type of insurance is very affordable and can be customized to fit your budget.
What is required by law are the liability and bodily injury coverage. Uninsured motorist coverage falls under options just like comprehensive, collision, and underinsured coverage.
What do you do in Alberta if hit by an uninsured motorist?
Alberta mandates that all drivers have to have insurance so if you are hit by a car driven by an uninsured motorist, there is legal recourse. First though you have pin down the uninsured motorist for payment of damages or bodily injuries. If this uninsured motorist runs off or says he has no money to pay for anything, you can proceed to the next step.
File a claim with the Motor Vehicle Accidents Claims program of Alberta. Only bodily injuries are covered by this program, not property damage so you have to show proof that you were injured. You should also be a resident of Alberta or any jurisdiction with the same program. You will also have to show proof that the accident was not your fault and that it happened in Alberta. Finally, there is a 90 day deadline for filing claims from the date of the accident. Failure to do so will most likely result in a denial.
What if I don’t choose to have uninsured motorist?
If uninsured motorist coverage is not required in your state, then this is a personal decision to make. Then you have every right to choose not to get this type of insurance. However, you should be aware of what it offers and how it can help you.
If you believe in protecting yourself with insurance, the uninsured motorist coverage will do just that from uninsured or underinsured motorists. If you plan your uninsured motorist coverage right, you can also make sure all the members of your family living under your roof are covered as well as the passengers in your car when the accident happens.
At the end of the day, it is about having a fallback position or safety net because you can never tell which driver on the road has insurance. This is no longer an assumption anyone can take regardless of what the law dictates.
When you decide not to get uninsured motorist coverage, your insurance company will ask that you put it in writing by checking the box on the form. This allows them to escape liability and protects the insurance agent as well.
How does an uninsured motorist claim work?
The standard policy for uninsured motorist states that the insurance company must pay for any damages to your vehicle.
More specifically, the conditions for pay-out are:
- The driver at fault or vehicle owner (this may be 2 different people) has no auto insurance or liability insurance
- The insurance company rejects the insurance claim by the driver at fault which leaves you hanging especially if the driver at fault or car owner refuses to pay out of pocket
- If the driver at fault is underinsured
In addition, when making a claim, some states require a $500 deductible while others do not. Insurance companies will also assess through their claims adjuster who is at fault. They will not just take your word for it. It is also possible if partial fault is with the policy owner, the insurance company may only offer a percentage of the settlement or a reduced claim.
Can a passenger on a bus collect uninsured motorist?
Yes, if he has uninsured motorist coverage however in many cases, commercial buses are covered by auto insurance and pay for damages or more sustain by passengers in an accident. The important guidelines you have to remember is to get the details of the accident in writing like the name of bus company, license plate number, registration number, copy of CCTV file, driver’s name, time, date, etc. If injured, inform the bus driver if you can or do it as soon as possible. You can also send a report to the bus company. If you can, use your mobile phone to take pictures of the accident and your injuries.
If all these are not possible because of the extent of injuries, rely on the police data and ask your insurance company to send a claims adjuster to inspect the bus, your injuries, and talk to the authorities. The worst case scenario would be to hire a bus accident lawyer.
Does uninsured motorist coverage apply only to owned autos?
No, uninsured motorist coverage can also cover bikers, pedestrians, and drivers who are using cars they do not own. However, many insurance companies approved uninsured motorist coverage if there is an existing car insurance policy holder in the same residence. Another simple case would be a company car which is assigned to you. California bikers are being strongly advised to get uninsured motorist coverage because of several reasons.
First, many bike owners buy bikes and equipment that are worth hundreds of dollars. With the uninsured motorist property damage coverage, they can recover from the accident and buy new equipment. Oftentimes, bikes in accidents are a total loss.
Second, the minimum bodily injury liability can be very low compared to cost of medical treatment. A pedestrian or biker is a lot more vulnerable than a person inside a vehicle. This means more extensive physical damage, sometimes permanent in nature.
Third, uninsured motorist coverage is generally affordable and is one of the least expensive add-ons in an insurance policy.
How to write a letter to the insurance company asking about PIP and uninsured motorist
First of all, you need to find out whom to address the letter to. Call the insurance company or talk to your insurance agent. Most companies accept emails instead of hard copies but in this case, you might want to consider a received hard copy so that you can easily do a follow-up call.
When writing the letter to your insurance company, introduce yourself (policy holder or interested possible client) and your personal circumstances.
Try to address your concerns as quickly and efficiently as possible. This means avoid too many words or explanations. Go straight to the point. If you are an existing policy holder, mention the details of your policy with the company and the length of time you have been with the company.
Finally, don’t’ forget to provide contact details so the insurance company can call or write to you. You should also give a copy to your insurance agent so he or she is aware of your concerns and might be able to solve the issues immediately.
Is Medicare entitled to be paid out of uninsured motorist insurance?
Under the Article 42 CFR Subpart D of the Public Health law, there are limitations on Medicare payments for no-fault and liability insurance such as the uninsured motorist insurance.
One, the vehicle must be registered in the state where it was used at the time of the accident. Second, Medicare will not pay for payment that can be covered by insurance; and pending cases that are still being litigated filed on or before 1989. Medicare will pay for service in case the insurance company denies the claim despite being a proper claim.
Medicare will also pay conditionally for services if the insurance company is unable to pay promptly and as needed. However, the payment must be reimbursed once the insurance company issues payment to the individual policy holder. In addition, conditional payment is also done when the no fault victim is unable to file a claim with his insurance company because of injuries sustained during the accident.
What is acceptable in getting money from uninsured motorist?
Typically, you should not accept money as payment from an uninsured motorist for damages or injuries on the spot. This is because you are probably not equipped to determine the costs that you will incur because of the accident.
Instead, you should get his contact details, driver’s license details, car registration details and make him or her sign a promissory note (it can be handwritten) promising to pay for the damages and medical treatment — whichever the case may be. Also important is finding a witness to sign on the promissory note as well. Of course realistically, if you are afraid that the person may run off and be difficult to find or collect from, then on your own discretion, you can decide to collect whatever money is offered. You might be asked to sign a waiver that you do not intend to file a civil suit or an insurance claim against the person.
What is the difference between stacked and unstacked uninsured motorist insurance?
Stacked uninsured motorist coverage is putting together limits on different policies to increase coverage. Not all states allow this so you need to check with your local insurance agent. Stacking insurance, if allowed, means a higher monthly premium rate so car owners are advised to compute if it would be advantageous or not since each person has his or her own unique circumstances.
Non-stacked car insurance refers to the face value on the policy. The limit cannot be transferred to other insurance policies. For example, if you own more than one vehicle and insurance policies for each that are independent of each other, you cannot stack up the limits and file for a claim on an accident that happened with one car.
Furthermore, stacking or non-stacking is something that can only be applied with uninsured and underinsured motorist coverage. You cannot do this with collision, comprehensive, property damage, or bodily injury coverage.
Will uninsured motorist pay for a horse?
In some states where the horse is not uncommon on public roads, it is possible to file for claims under the uninsured motorist coverage. In case was a man from Iowa who was hit by a runaway horse and has sustained injuries. He incurred expenses that included emergency treatment and even a helicopter ride to the nearest hospital. He was able to claim for uninsured motorist coverage to cover his cost from the accident.
In special cases like these, you might need to advice of a lawyer experienced in personal injury. The horse owner may or may not be liable depending on the circumstances and so there will be the need to look further into why the horse was in a panic or out of his stable. These kinds of cases are usual in places like Kansas where it is normal for a settlement to be reached. In addition, a lawyer will also help you in preventing insurance companies from delaying paying approved claims.
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State Specific Uninsured Motorists Questions
What to do when you get hit by uninsured motorist in TX?
Uninsured motorist in Texas is defined as someone without insurance, is unidentifiable, or an insured driver whose insurance company turns down a claim. This can happen if the insured driver is not updated with payment of premiums or has gone beyond the limit of the coverage.
If you get hit by an uninsured motorist in Texas, you have 4 years to claim damages. The four year period begins the day the insurance company denies a claim. It does not start on the day of the accident.
In Texas, stacking is allowed so it is possible to claim on your personal insurance policy and if you have uninsured motorist coverage. However, there are specific limitations on stacking so you will need to contact your insurance agent about “inter-policy” stacking. This is because intra-policy stacking is not allowed in Texas so it can get a little confusing what to do. For hit and run cases, the aggrieved party should immediately inform the police.
Do rates go up for uninsured motorist collision in Texas?
With the new 2011 Texas Auto Insurance amendments, uninsured motorist coverage is still not required of car owners and drivers. The new law raised the rates for bodily injury liability and liability coverage by 20%.
Collision coverage in Texas is the 5th highest in the country according to the National Association of Insurance Commissioners, as of January 2012 but liability coverage places Texas in the median range. The reason for the high cost of collision car insurance is because of the growing number of uninsured motorists.
Another reason why the perception of a higher uninsured motorist coverage is being spread around is because in Texas, if a person was not insured for more than 30 days in the previous year, the rate is higher. However this would depend on the individual insurance companies who will assess each application for uninsured motorist coverage on a case to case basis alongside several other factors. Learn more about Texas automobile insurance coverage.
When does uninsured motorist apply in Florida?
Uninsured motorist coverage is required in Florida unless the policy owner specifically rejects it in writing. This protects the insurance company from any liability. If the policy owner agrees to buy uninsured motorist coverage, it must be equivalent to bodily injury liability coverage. You use this coverage when you are involved in an accident with a person who has no insurance or limited insurance.
The uninsured motorist coverage in Florida is designed to protect the person who has not fault in a vehicular accident. There are no exclusions or exceptions for denying claim by the insurance company. The only way they can deny a claim is by showing proof that the car insurance policy holder specifically turned down this type of coverage. The same principle applies for the driver at fault who is underinsured. For example, if you are in an accident with a driver who has no bodily injury coverage, you can claim for underinsured motorist coverage. Learn more about Florida auto insurance.
Does Oklahoma require drivers to have uninsured motorist insurance?
No. In Oklahoma, there is no law that requires you to buy uninsured motorist coverage. However, insurance companies are obligated to offer them to you because damages and bodily injuries caused by an uninsured motorist will cover the expenses.
If your basic insurance coverage like collision is insufficient. In short, if you only have liability and limited collision coverage, you will probably end up spending to have any damages repaired and the medical treatment needed for injuries.
Uninsured motorist coverage in Oklahoma includes any member of your family who live with you and the passengers in your car at the time of the accident. It is advisable to get this kind of coverage because it insures you against the person behind the wheel who is underinsured or not insured at all. Learn more about auto insurance in Oklahoma
What is uninsured motorist for bodily injury in Colorado for?
In 2008 the Colorado Insurance Law went through some drastic changes. It focused mainly on the issue of underinsured and uninsured motorist coverage, more particularly on the loopholes in the policy.
Last 2008, anyone who buys uninsured motorist coverage or renews their existing coverage was affected by the new law as it became fully enforceable.
The changes were:
There is no “offsetting” allowed by the insurance company to play around with the amount paid by insurance company of the person who is at fault and the amount you have under your uninsured motorist coverage.
Also, anti-stacking terms in the insurance policy documents which was allowed before the new law took effect is no longer possible.
The bodily injury coverage under uninsured motorist covers medical expenses, emotional distress, loss of income and future earnings, and pain and suffering. It does not include damage to the car or property.
What is average Maryland uninsured motorist coverage
In Maryland, the uninsured motorist coverage is mandated by law just like in Illinois and New York. It is required by every car owner alongside liability and personal injury. The uninsured motorist coverage in Maryland has a minimum limit of $30,000 per person and a $60,000 limit per incident. This only covers bodily injuries liability coverage. The damage liability coverage under uninsured motorist has a minimum limit of $15,000 for every incident.
The difference between the two is that bodily injuries are medical costs, emergency care, and maybe even lifetime treatment. The property damage liability covers damages to your car by a person who has no or limited insurance.
Uninsured drivers face a stiff fine of a $150 minimum per incident along with other fees and the possibility of losing their license plates. Last 2009, about 15% of the drivers in Maryland estimated to not have any kind of car insurance in spite of the fact that it is the law. Learn more about Maryland auto insurance.
Is uninsured motorist coverage mandated by AZ law?
Just like in many other states, Arizona insurance companies are legally required to offer uninsured motorist coverage in their application forms. It also states that the uninsured motorist and underinsured motorist coverage laws must have limits similar or higher than liability limits.
If the policy is up for renewal or reinstatement, the insurance company is no longer required to inform or offer to the policy holder the uninsured and underinsured motorist coverage.
In addition, under the law once the uninsured motorist coverage is in effect, it should be valid for everyone listed under the car insurance policy. If the policy holder wishes to upgrade his car insurance policy to include uninsured motorist coverage, all he has to do is inform the insurance company.
Once this request has been received, it will go through the assessment and computation of premiums. A new policy or an amendment to the current policy will then be forwarded to the policy holder. Learn more about Auto insurance in Arizona.
Is the uninsured motorist form required in California?
Yes, the form used by insurance companies has an uninsured motorist clause. California has a mandatory insurance law. This is also known as the Financial Responsibility Act and demands that insurance companies offer uninsured motorist coverage in their application forms. However, the policy holder is not mandated to buy this type of coverage and can simply check the box on the form to indicate his preference.
If the box remains unchecked, this means uninsured motorist coverage will be included in the computation of monthly premiums. It also means that whether or not you are paying for uninsured motorist coverage, the insurance company is obligated to accept claims and pay for damages from no fault policy holders.
The uninsured motorist coverage is part of the form because of the growing number of people who do not get car insurance in defiance of the law. Many of them who do this are strapped for cash and unable to sustain the monthly payments. Learn more about car insurance in California.
Is there hit and run uninsured motorist in PA?
Hit and run victims using uninsured motorists in Pennsylvania are settled outside of the traditional courts and through private arbitration. Normally, there are 3 arbiters per case but since a hit and run accident assumes that there is no at fault party to charge, you will be negotiating with the insurance company. Often people in this kind of situation resort to using a lawyer to untangle through the legal jargon.
Under the law, it is also possible to pursue a personal injury claim aside from property damage with your uninsured motorist coverage but you must expect some resistance from the insurance company. Understand that these companies are targets for frauds a lot of time having to do with hit and run so they are extra cautious about approving claims of this sort.
The hit and run victim can also pursue an insurance claim for underinsured coverage if the driver at fault is identified but does not have enough insurance to cover the damages and medical treatments. Learn more about Pennsylvania car insurance.
How does an Illinois motorist report a fault uninsured motorist?
All you have to do is submit your claim to your insurance company. They will send a claims adjuster who will interview you and ask for proof of accident. If you are approved for your claim, the insurance company will help you collect for damages from the uninsured at-fault motorist. You will also be charged a deductible, the amount of which is dependent on your policy. If the insurance company is able to collect from the at-fault motorist, the deductible is refunded to you.
The crash report can also be submitted to Illinois Department of Transportation Accident.
The following information will be required in the report:
- Information about the uninsured driver
- Cars involved
- Date and time of incident
- Other pertinent details
Once filed and certified as true, the case is forwarded to the state’s Safety and Financial Responsibility Law for suspension of rights of the at-fault motorist. This would include suspension of driver’s license and the retrieval of the license plates of the car involved in the accident. Learn more about car insurance in IL.
Are you required to carry uninsured motorist insurance in the state of Oregon?
The State of Oregon requires all drivers to have insurance and proof of insurance must be presented whenever the vehicle is up for registration renewal. The uninsured and underinsured motorist coverage is not a requirement but you will have to sign a document from your insurance carrier that you do not want it. Also, under the law it has to be offered to you by the insurance company.
If you decide you want uninsured motorist insurance coverage, you have to decide the limit. If you prefer a limit that it is lower than your liability coverage, you are required to sign another document from the insurance company stating the same.
The reason many opt for a lower limit is to save money or avoid getting charged a higher monthly premium. Of course, there is that risk that the coverage will be insufficient but that is a matter of personal choice. Learn more about Oregon state car insurance laws.
You also might find these pages useful:
Learn more about full coverage car insurance and if it is right for the type of vehicle you drive.
Liability Car Insurance
Learn more about liability insurance coverage. Every state requires some form of coverage. Do you have the right limits?
High risk car insurance
Are you paying high rates? DUIs, accidents, filing claims, poor credit, and multiple tickets are examples of what can put you into the high risk category