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In California, minimum coverage car insurance requirements are 30/60/15 effective Jan. 1, 2025. Utah minimum coverage limits will increase to 30/60/25. Virginia limits will be 50/100/25.
Uninsured and underinsured motorist insurance: If you are involved in an accident caused by a driver who does not have insurance or enough insurance to cover the losses, these coverage types could ...
Umbrella insurance extends your liability coverage. Here’s how to buy it.
An uninsured motorist clause is a provision commonly found in United States automobile insurance policies that provides for a driver to receive damages for any injury he or she receives from an uninsured, negligent driver. The owner of the policy pays a premium to the insurance company to include this clause.
No-fault systems generally exempt individuals from the usual liability for causing bodily injury if they do so in a car collision; when individuals purchase "liability" insurance under those regimes, the insurance covers bodily injury to the insured party and their passengers in a car collision, regardless of which party would be liable under ordinary legal tort rules.
In insurance, the insurance policy is a contract (generally a standard form contract) between the insurer and the policyholder, which determines the claims which the insurer is legally required to pay. In exchange for an initial payment, known as the premium, the insurer promises to pay for loss caused by perils covered under the policy language.
The driver doesn’t have insurance. However, you have uninsured motorist property damage on your policy, so your insurance company could make a payout for your vehicle’s repairs minus your $100 ...
Insurance Commissioner Ricardo Lara previously said people expect "to be made whole by their insurance after a traffic accident, but I believe the current minimum coverage levels [before the new ...
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