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An uninsured motorist clause is a provision commonly found in United States automobile insurance policies that provides for a driver to receive damages for any injury he or she receives from an uninsured, negligent driver. The owner of the policy pays a premium to the insurance company to include this clause.
Uninsured/underinsured motorist coverage (UM/UIM) isn’t mandatory in California, but the new minimum liability coverage limits will also affect this coverage type. UM/UIM coverage limits must ...
Uninsured motorist coverage and underinsured motorist coverage pay for your medical bills and other damages if another driver hits you and they don’t have any or enough bodily injury liability ...
Typically, the payout is not more than the minimum liability limits and the negligent driver remains responsible for reimbursing the state's fund. In the United States, the definition of an uninsured/underinsured motorist, and corresponding coverages, are set by state laws. In some states it is mandatory.
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.
Coverage: Types of losses covered, liability, uninsured or underinsured motorist, comprehensive, and collision; liability limits; and deductibles. The classifications, such as age, are further broken into actuarial classes, such as 21- to 24-year-olds, to develop a unique vehicle insurance cost based on the specific combination of attributes ...
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