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What full-coverage car insurance includes. A full-coverage auto insurance policy combines three key protections — liability, comprehensive and collision coverage — into one complete package.
Whether you received a ticket for driving uninsured or FLHSMV’s online tracking system identified that your coverage lapsed, your license will be suspended until you reactivate your car ...
Uninsured and underinsured motorist: If you are hit by a driver who does not have insurance or doesn’t have enough insurance to cover your damages, these options could help pay for your injuries ...
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 ...
In some jurisdictions coverage for injuries to persons riding in the insured vehicle is available without regard to fault in the auto crash (No Fault Auto Insurance) The cost to rent a vehicle if yours is damaged. The cost to tow your vehicle to a repair facility. Crashes involving uninsured motorists.
*Florida only requires PDL and PIP. Minimum BI limits are 10/20 if you do purchase coverage. Drivers who have caused an accident involving bodily injury or death or received certain citations may ...
Auto insurance risk selection is the process by which vehicle insurers determine whether or not to insure an individual and what insurance premium to charge. Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company in accordance to a framework of regulations set by the government.