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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 ...
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. It can help ...
Uninsured/Underinsured motorist coverage (UM/UIM): Uninsured and underinsured motorist coverage offer financial protection in the event that you get into an accident with a driver who is ...
Failure to pay your insurance premium on time can result in a lapse in coverage, meaning you don’t have an active policy to file your claim against. Paying your auto and home insurance premiums ...
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.
PIP is a mandatory coverage in some states. Others, like Texas, require the insurer to offer PIP but the named insured can reject PIP in writing. [1] PIP coverage may vary from state to state in terms of both what is covered and what types of treatments are considered medically necessary and reasonable.
In some instances, uninsured motorist coverage may apply to a hit-and-run accident, when another driver is at fault and leaves the scene without providing insurance information. In the case of a ...