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Insurance Law columnist Jonathan A. Dachs presents a brief survey of recent developments in the area of Uninsured Motorist, Underinsured Motorist, and Supplementary Uninsured/Underinsured Motorist ...
Some states, such as Virginia, require that the victim actually obtain a judgment against the uninsured motorist (while serving the uninsured motorist carrier in the lawsuit so that the carrier can defend the suit) and then demand payment from the uninsured motorist carrier prior to suing the carrier for any breach of an uninsured motorist ...
Uninsured motorist coverage typically comes in two types: Bodily Injury (UMBI), which covers medical costs, and Property Damage (UMPD), which pays for car repairs.
Different levels of coverage may protect consumers depending on which insurance policy they purchase. Coverage is sometimes seen as 20/40/15 or 100/300/100. The first two numbers seen are for medical coverage. In the 100/300 example, the policy will pay $100,000 per person up to $300,000 total for all people. The last number covers property damage.
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.
Every insurer maintains a list of events and circumstances that void the insured's entitlement to his or her accident benefits. For example, accident insurance policies may exclude coverage for injuries sustained while the insured was intoxicated or committing an illegal act.
These coverage options help protect the other car if you are in an accident, as well as property that you do not own. The minimum coverage is abbreviated as 50/100/10, which means: $50,000 in ...
This kind of coverage is to be distinguished from liability coverage, which covers the premises and the owner/occupier of the space from claims made by non-employees for injuries on the premises. It is also to be distinguished from health insurance , which covers only medical bills for non-work incurred conditions.