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Uninsured/Underinsured motorist coverage (UM/UIM): ... It is generally considered optional coverage. However, a few states do require drivers to carry medical payments coverage.
Uninsured/underinsured motorist coverage is not required in Virginia, but drivers who have it on their policy must ensure coverage limits are in compliance with the new liability limit laws.
The license holder must produce a state form (DL-123) to prove they have insurance, requiring the signature of an insurance agent, in addition to a ten dollar fee, in order to convert the fleet license to a full license. Some states require that proof of insurance be carried in the car at all times, while others do not.
Around 20 states require UM/UIM, with coverage typically matching your liability limits — which means if you have $50,000 in liability coverage, you'd get up to $50,000 in uninsured motorist ...
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 ...
Most states require a minimum amount of bodily injury liability. Liability coverage does not have a deductible, but there is a coverage limit. ... Uninsured motorist coverage and underinsured ...
Uninsured and underinsured motorist: ... No. Most states require drivers to carry at least minimum levels of liability coverage, and some states also require additional coverage types like ...
While uninsured motorist coverage is for accidents where the at-fault driver does not have an active auto insurance policy, underinsured motorist coverage will cover you if a driver hits you but ...