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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.
Uninsured/underinsured motorist coverage. Protects you if you're hit by a driver who either has no insurance or whose liability coverage limits are too low to pay for your damages.
Uninsured/Underinsured coverage, also known as UM/UIM, provides coverage if an at-fault party either does not have insurance, or does not have enough insurance. In effect, the insurance company pays the insured medical bills, then would subrogate from the at fault party. This coverage is often overlooked and very important.
Uninsured motorist coverage typically comes in two types: Bodily Injury (UMBI), which covers medical costs, and Property Damage (UMPD), which pays for car repairs. ... It is equally important to ...
Uninsured cars - a BMW X5 (left) and Ford Mondeo (right) - seized by Merseyside Police on display outside the force's headquarters in 2006. In the United Kingdom. In the United Kingdom. The Road Traffic Act 1930 , of the UK Government , introduced a law that required every person who used a vehicle on the road to have at least third-party ...
What happens if someone hits your car and doesn’t have insurance? It depends.
Uninsured motorist coverage and underinsured motorist coverage: These coverage types could be a lifeline if you’re involved in an accident with a driver who either lacks insurance or has ...
Uninsured/underinsured motorist coverage (UM/UIM) Helps pay for you and your passengers’ injuries, medical expenses and lost wages if the at-fault driver doesn’t have enough (or any) bodily ...