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Uninsured or underinsured motorist coverage (UM): Uninsured motorist coverage pays for damage (up to the limit you carry) if someone hits you with no insurance or does not have enough insurance to ...
Since Florida is a no-fault state, the other driver’s PIP should initially provide coverage to them for their injuries (and lost wages, as explained above) — even if you’re the one who ...
Florida. $10,000 PDL* $10,000 PIP. Georgia. 25/50/25. None. Hawaii. 20/40/10. $10,000 PIP. Idaho. ... In some states, minimum coverage car insurance also includes PIP and uninsured motorist ...
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.
Most states require a victim to sue the uninsured motorist (or a fictitious John Doe hit and run driver when litigating the second category of uninsured motorist claim) for his injuries in order to prevail on a breach of contract action against the insurance carrier. Some states, such as Virginia, require that the victim actually obtain a ...
Without uninsured motorist coverage, you could be forced to pay for your medical bills and vehicle repairs if the at-fault driver is unable to do so. Uninsured motorist coverage typically comes in ...
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