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underinsured motorist coverage tagged articles (0-50 of 2126)

  • Automobile Accidents: Uninsured or Underinsured Drivers - When a driver is in an automobile accident with another driver who has insurance with proper coverage, recovery for damages is generally straightforward. However, not every driver carries automobile insurance, which is in violation of state compulsory automobile insurance laws, or has the proper coverage.
  • Underinsured/Uninsured Motorist Coverage For Motorcycle Drivers - Unfortunately, thousands of bikers are struck each year by other motorists. If you are one of the unlucky riders who get hit, you could obviously be seriously injured and your motorcycle could quite easily sustain a serious amount of damage in the process. If however, the at-fault driver has enough liability insurance, your hospital expenses would be covered, and the cost of having your motorcycle fixed would be reimbursed. However, an alarmingly high number of people are either insured at their state minimums or are driving around without insurance. If you're hit by an uninsured or underinsured motorist, you may not have recourse to recover monetary compensation. Read on to discover more about how uninsured/underinsured motorist coverage works and why it's so important for motorcycle owners to have this coverage.
  • What Everyone Needs To Know About Their Car Insurance - When it comes to automobile insurance, most people think that "full coverage" has them fully covered. This is nowhere near the truth. Rather, "full coverage" is only liability and property coverage. These do nothing to protect you from other drivers. Drivers must consider the more likely scenario - you causing a wreck, or you being hit by one of the thousands of crazy drivers surrounding you. There are three types of coverage every driver must have. Unfortunately, it's not likely your agent told you about them. Uninsured Motorist Coverage (UM) Ok, you don't really have to add uninsured motorist coverage - you already have it. In Missouri, every insurance company has to give you (for a price) a minimum of $25,000.00 coverage. The problem is $25,000 is not enough! UM coverage applies when you are injured due to the fault of an uninsured driver.
  • What To Look For In A Full Coverage Automobile Insurance Quote In Wisconsin - Before you apply for a full coverage automobile insurance quote in Wisconsin, make sure you understand the difference between full coverage protection and liability coverage protection. In Wisconsin, liability insurance coverage is a basic car insurance policy. The state has minimum requirements regarding liability protection. They are as follows: •$10,000 of property coverage •$25,000 of personal injury coverage •$50,000 of death coverage These coverage amounts are the most basic liability protection you can purchase in Wisconsin. Yet, many motorists choose to purchase higher amounts in order to ensure they’re more protected. At the same time, many drivers opt to purchase what is known as “full coverage” insurance. Full coverage car insurance is best known for having both collision and comprehensive protection in addition to Wisconsin’s minimum liability coverage protection.
  • Insurance Tip: Why Uninsured Motorist Coverage Is A Good Idea - You probably have never heard about it, or if you have, you may really not know what it is. Uninsured Motorist (UM) coverage is a type of coverage that is available on your Washington automobile insurance policy. UM coverage is designed to pay you for damages that have been caused by an uninsured motorist. A related type of coverage is Underinsured Motorist (UIM) coverage. UIM is designed to pay you for damages caused by another motorist who may not have enough insurance to fully compensate you for all of your damages. UIM is considered "floating coverage." That is, this type of coverage floats on top of the other motorists insurance to provide you an additional layer of coverage if it is needed. UM or UIM coverage is extremely important.
  • When Car Insurance Is Your Friend - Sadly, even today, people tend to be rather callous when the question of car insurance comes up. Many give the excuse that since they are good drivers they will not need insurance at all. However, road traffic is not what it used to be and you can never predict what is going to happen on the road even if you follow all the driving rules. THE IMPORTANCE OF CAR INSURANCE Why do you need a car insurance policy? It offers you coverage in the event of losses arising from traffic accidents. As an example, just look at the following. Let us say that your car was hit by a falling tree and got totally smashed. If you had taken out a car insurance policy, the loss would be written off by your insurance company.
  • Why a Recession Should Trigger You to Increase Your Car Insurance Coverage? - Many Iowans think that it will never happen to them, but car accidents are the #1 cause of accidental disability and death with more than 6 million accidents each year causing 3 million...
  • While the Economy Slows Down Why Should You Increase Your Car Insurance Coverage? - Most people think, well it will never happen to me, but car accidents are the #1 cause of accidental death and disability with more than 6 million accidents each year causing 3 million injuries and more than 42,500 deaths. That means that you have a better than 98% chance of getting into a car accident during your lifetime.
  • What Are the Different Types of Auto Insurance - There are a number of different types of auto insurance that are available to drivers. In the United States, auto insurance is mandatory and not a choice.

  • A short course on auto insurance in Virginia - Although you can be charged criminally if you do not have at least the minimum car insurance or the equivalent. Technically Virginia does not require car insurance. Liability insurance minimums required by law in Virginia are: Twenty-five thousand dollars for bodily injury or death of one person in any one accident, Va. Code § 46.2-472(3);
  • The Benefits of Missouri Uninsured Motorist Coverage - Everyday, uninsured drivers cause wrecks, seriously injuring others. In fact, uninsured drivers probably cause more wrecks than drivers who carry insurance. Many people feel that they are out of luck if they are injured in a car accident with a driver who is not insured. This is not true.
  • Guide to California Auto Insurance - If you need California auto insurance, you might be a little confused by all the choices available today. California auto insurance, like in all other states, is available in numerous packages with many types of coverage. Some coverage is required by your state while other types are required by car lenders, so it's wise to study up on insurance before making a choice. This guide briefly explains the types of coverage for California car insurance to help you grasp the basics. Liability and Bodily Injury Coverage Liability insurance for bodily injury protects you from claims against you if someone is injured in a car accident in which you are at fault. If you have an auto accident, this type of insurance covers the injured person's medical costs resulting from the injury up to a certain dollar amount.
  • Rejecting Uninsured Motorist Coverage and Stacking - Under Florida law, when someone makes an election not to have uninsured motorist coverage (UM) on their policy, a specifically worded form must be signed. The insured also has the right to accept or reject stacked uninsured motorist coverage. The effect of stacking such coverage would be to double the effective coverage, for instance, if there were two cars on the policy. The question of whether such coverage has been validly rejected often comes into question when the insured is involved in an accident, long after the insurance papers have been executed. The insured, at that point, is typically looking for additional coverage on their policy and challenging whether the rejection of such coverage had been validly executed.
  • What You Need to Know About Buying Auto Insurance Online - Regardless of where you live or how much you drive, if you own a car, you need auto insurance. Luckily, it's easier than ever to compare prices and to buy auto insurance online. Still, it's important to be an informed and conscientious consumer. In order to get an accurate online car insurance comparison from a variety of companies, you need to know what the different types of coverage mean, and what will be suit your needs and lifestyle.
  • Classic Car Insurance Quote Guide - When getting a classic car insurance quote online from an insurance company, it is always recommended to compare it with quotes issued by other companies with the same classic car insurance policy features. However, it is a challenging task to keep track of all of the information you need, and results are prone to mistakes and miscalculations. Here are some tips to help you simplify the process.
  • Do I Need Uninsured Motorist Coverage on My Auto Policy If I Have Medicare or Health Insurance? - This is a very common question that we encounter in our practice. I've even heard of insurance agents who expressed the opinion that people do not need uninsured motorist coverage on their auto policy if they have health insurance or Medicare. The reasoning seems to be that following an accident their medical bills would be covered.
  • What To Look For In A Full Coverage Car Insurance Quote In Iowa - Not every driver in Iowa is required to buy car insurance. If you have a perfect driving record and if you have sufficient resources available to pay for any accident you may have, then you are not forced to buy car insurance. However, most drivers in Iowa don't qualify to drive without car insurance and so it is important to know what to look for in a full coverage car insurance quote here in Iowa. Full coverage insurance is actually made up of (basically) four or sometimes five different types of car insurance. The most basic type of car insurance is liability insurance. This is the insurance that pays for medical treatment (known as bodily injury) to anyone in an accident and liability also pays for the repair or replacement of the other person's vehicle if you are at fault in an accident.
  • Texas Auto Insurance Discounts - There are many types of auto insurance discounts available to Texas drivers. Some types of discounts reflect industry standards, while others are specific to certain carriers. The Texas Department of Insurance allows providers significant leeway in the structuring of discounts, so it is a good idea to ask which ones available when you are getting an auto insurance quote from any company.
  • Car Insurance Rates: Factors Determining The Car Insurance Rates - Everyone must have Car insurance as the law states, and it’s necessary in case you ever have an . Car insurance can prevent the need to pay loads of money to get your car fixed should you ever have an . Nobody wants to get into an , but it’s best to be prepared in case the unthinkable happens.
  • Florida Car Insurance...What Does "Full Coverage" Really Mean - I have represented people involved in automobile accidents for more than 20 years. During my initial meetings with clients, one of the most important topics of conversation is the insurance coverage they purchased for their own auto. Many people tell me they have "full coverage", believing they are adequately insured. However, when I ask the specifics of what coverage they actually own, they generally have no idea. Do they have bodily injury coverage, which protects them if they cause injury to a third party?
  • What To Look For In A Full Coverage Car Insurance Quote In Louisiana - There are basically two types of car insurance that most people buy. They either buy the very minimum amount of insurance that the state of Louisiana requires in order to legally drive - or they buy full coverage car insurance. If you are financing your car then your lender will require that you purchase full coverage car insurance. But even if you own your car outright buying full coverage car insurance may still be a good idea, especially if you have a home, a savings account, or other assets that you could lose in the event of a serious accident that wasn't fully covered by the minimum insurance that the state requires you to purchase. Here's what I mean.
  • What To Look For In A Full Coverage Automobile Insurance Quote In South Carolina - No state - including South Carolina - requires a motorist to carry full coverage automobile insurance in order to drive a vehicle on public roadways. South Carolina - like virtually every other state - does require that you buy a minimum amount of liability automobile insurance in order to legally drive in the state. In South Carolina that minimum amount of liability insurance is referred to as 25/50/25 coverage. What does this mean, exactly?
  • Auto Insurance - Texas - Texas law requires all drivers to carry at least liability coverage. However there are many other types of auto insurance. Texas insurance companies generally provide these major types of coverages for you to choose from. Medical Payments Coverage This type of insurance pays medical and funeral bills arising from accidents, including those in which the victim was a pedestrian or a bicyclist. It covers you, your family members and all passengers in your car regardless of who caused the accident.
  • Choices In Coverage For Car Insurance - Car insurance is a necessity in being able to drive a car legally. Many states have passed a law that you cannot get licenses or car license renewals without showing proper car insurance.
  • What To Look For In A Full Coverage Automobile Insurance Quote In New Jersey - New Jersey, like almost every state in the Union, requires that its drivers purchase automobile insurance before they can take a vehicle onto any public roadway in the state. Anyone caught driving in New Jersey without insurance faces severe penalties as well as fines that can run into the hundreds or even thousands of dollars.
  • What To Look For In A Full Coverage Automobile Insurance Quote In Mississippi - When purchasing automobile insurance in Mississippi you have, basically, two choices. You can choose to purchase just the minimum liability insurance that the state of Mississippi requires, or you can choose to purchase a full coverage insurance policy. What's the difference?
  • How Much Insurance Coverage For Your Auto Do You Want? - In most of the states in the US, auto insurance is compulsory. With these laws in place, you may wonder what type of auto insurance you should be considering.
  • What To Look For In A Full Coverage Automobile Insurance Quote In Iowa - Unless your automobile is being financed the only type of automobile insurance you are required to have in Iowa is liability coverage. Liability insurance pays for medical expenses (bodily harm) and for property damage (generally the repair of a vehicle) for the other party if you are involved in an accident and it is determined that you are at fault. In Iowa the minimum amount of liability insurance that you need to buy is what is typically referred to as 20/40/15 liability policy. In other words your liability insurance will cover any one individual for $20,000 in bodily injury with a total of $40,000 coverage for any one accident, plus your insurance will pay $15,000 for property damage.
  • What To Look For In A Full Coverage Car Insurance Quote In West Virginia - There are two distinctly different ways to look at automobile insurance coverage in West Virginia. First there is the absolute minimum liability insurance that you must purchase in order to legally drive a vehicle. The minimum insurance you are required to buy does not, however, repair your vehicle and it may not cover all medical costs that are incurred as a result of an accident, especially to you or passengers in your vehicle. The other way of looking at car insurance is in terms of full coverage protection.
  • What To Look For In A Full Coverage Car Insurance Quote In Alabama - In Alabama the minimum insurance that every driver must purchase in order to legally drive on a public roadway is a liability policy with a payout of $20,000 in medical coverage for any one individual, $40,000 in medical coverage for any one accident, plus $10,000 in property damage coverage for any one accident. If you finance the purchase of a car your lender will require that you buy additional insurance coverage.
  • How To Save Money And Get Discount Car Insurance In Indiana - Uninsured motorist coverage is mandatory in the state of Indiana unless you specify, in writing, that you don't wish to have it. Although some people believe that forgoing this type of car insurance will save them money, there are ways to curb the costs without cutting corners on the level of coverage you really need. Some easy and effective ways to save money by finding discount car insurance include: •Pay all your expenses on time. Your credit report has an impact on many things including your car insurance rates. If you are viewed as a credit risk you can expect to pay more for your car insurance premiums. Ensure that you pay all bills by the due date and check your credit report periodically for any irregularities. •Increase the level of your deductible.
  • How Does Car Insurance Work - Many of us know we have to have car insurance in order to get our license and tags. However there are some that don’t really understand the actual policy or how it works to protect us.
  • What To Look For In A Full Coverage Car Insurance Quote In New Jersey - Everyone who drives a motor vehicle on a public roadway in New Jersey must purchase - at a minimum - three types of automobile insurance. All New Jersey drivers must have: 1.Liability Insurance: This insurance covers damage to other people's property, including vehicles, if you are in an accident. In New Jersey, Liability insurance does not cover medical expenses. 2.Personal Injury Protection (PIP) Insurance: This is the insurance that pays for medical claims by you or by anyone else involved in an accident that involves your vehicle. In New Jersey this is sometimes referred to as No-Fault insurance since this portion of your insurance pays for medical expenses regardless of whose fault the accident is eventually deemed to be. 3.
  • Pedestrian Injury - Pedestrians struck by a car, truck or bus are an ever-growing percentage of fatal and non-fatal injuries nationwide. Dangers exist for them in many ways: 1. Being struck, while walking in crosswalks, crossing streets, on a sidewalk, or walking behind a backing car or SUV; 2. Too many drivers waiting to turn, focus only on traffic coming from one correction and fail to see a pedestrian walking within the crosswalk from the other direction; 3. Drivers attempting to enter or exit a parking lot fail to see a pedestrian walking along a sidewalk; 4. Drivers backing their vehicle fail to see a pedestrian walking behind them; and 5. Drivers backing an SUV or car fail to see a child below their line of sight behind them.
  • Understanding The Features Of Your Car Insurance - It is a common notion amongst people to believe that choosing a car insurance is as straightforward as choosing the right car, when buying a car. The fact is that car insurance can actually be pretty complicated.
  • I'm Buying a Cheap, Used Car. Do I Need to Insure It? - Purchasing a cheap, used car is a great idea for individuals who are on a budget and looking to save money. However, it is still mandatory that, in order to drive the vehicle on public roads in the United States of America, the vehicle needs to be insured by an auto insurance company. Some individuals may choose still to not insure their vehicles, even though the laws of their state mandate that they have current auto insurance coverage on their vehicle(s) in operation. These people may be subject to heavy fines and penalties for operating their vehicles without insurance coverage in the event that they are caught without insurance. There are a number of things for which a vehicle needs to be insured.
  • Looking For Cheap Florida Auto Insurance? - Finding cheap Florida auto insurance rates has never been easier. You can search the online marketplace to help you comparison shop for the lowest rates available. try to find a website that offers multiply resources to get a quote, use this resource to make informed decisions about your car insurance.
  • Dealing with insurance after a car wreck. - There are many different types of insurance coverage which may be applicable after your auto accident. They may include: (1) Your Personal Auto Policies: Your insurance company may extend benefits to you after an accident, even when the accident is not your fault or when you were a passenger in another vehicle. It is important to look at your policy before calling your insurance company to file a claim. You may be entitled to the following types of coverage: - Med Pay: If you elected to obtain Medical Payments coverage under your auto policy, your insurance company will pay up to the limits of the policy for your necessary accident-related medical expenses. This coverage may apply even when you are hurt while a passenger in another vehicle. Check your policy to determine what these limits are.
  • What To Look For In A Full Coverage Automobile Insurance Quote In Alabama - There is often a great deal of difference between the minimum amount of insurance that the state of Alabama requires of a driver in order to operate a motorized vehicle on the roadways in Alabama, and the full coverage insurance that most lenders require when they finance the purchase of a vehicle. At the very minimum you are required to purchase what is known as a 20/40/10 liability insurance policy in order to legally drive in Alabama.
  • What To Look For In A Full Coverage Car Insurance Quote In South Carolina - Each state - South Carolina included - sets its own minimum liability insurance coverage that every driver must purchase before they are allowed to drive in that state.
  • 5 Things You Need To Know Before Choosing Your Car Insurance - When it comes to car insurance, it seems like there are so many companies offering such a range of policies that it becomes a concern for the customer as to whether or not a certain type of necessary coverage is included and if the overall cost of the policy is affordable.
  • Bicycle Accidents - The National Highway Traffic Safety Administration reported there were 773 bicyclists killed in collisions with cars, trucks and other vehicles in the United States in 2006. www.fars.nhtsa.dot.gov/People/PeoplePetalcyclists.aspx.
  • Cheap Insurance For Women ... 9 Important Points - So, you're searching for cheap insurance. For women, there are two primary issues that you need to consider. First, you should know that if your insurance agent or your insurance company recommended your plan, you are probably overpaying by up to 50% or more. Second, when it comes to finding cheap car insurance, knowledge is power. Most of the time, the insurance company has the knowledge. With some due diligence on your part, you will have the knowledge and the power to save significant amounts on your insurance premiums. When searching for cheap insurance for women, you need to ask lots of the right questions.
  • Mexican Auto Insurance - Full Coverage Or Liability Only Coverage - Which Is Best For Me? - Learn the difference between "Full" Coverage and "Liability Only" Mexican Auto Insurance. "Liability Only" Mexican Auto Insurance: "Liability Only" Coverage meets the minimum liability requirements of the Mexican government. It means Legal liability deemed to be caused by you for injuries or death of persons (bodily injury) not in your vehicle, property damage deemed to have been caused by your vehicle, and medical expenses for you or other persons within your vehicle caused by a covered loss.
  • What To Look For In A Full Coverage Car Insurance Quote In Mississippi - The question for many car insurance shoppers is: do I buy the minimum amount of insurance that the state requires, or do I buy a full coverage car insurance policy?
  • Affordable Car Insurance - It All Depends On You - Affordable car insurance is difficult to find these days. But if you are patient and diligent enough to scour the horizon for that perfect car insurance, you might just be lucky enough to find one. You will have to do your homework though: canvassing, weighing the options, considering how much premium you can afford to pay and how protected you want to be.
  • Florida Car Insurance - Florida drivers have a minimum requirement for automobile insurance, which includes death, or injury for ten thousand dollars, twenty thousand for one accident and only ten thousand for property damage. Drivers do not have to carry comprehensive or collision on vehicles unless they need to for other reasons such as a lien holder requires them to. Florida car insurance companies have many different insurance companies that offer good rates for good drivers. High-risk drivers will pay a higher premium than what a low risk driver will. There are automobile insurance companies that require you furnish all information to obtain car insurance from their company. The rates where created when the insurance companies took all drivers in Florida and combined all the information into a computer which then helps them to set up rates for good drivers, moderate drivers and high-risk drivers.
  • How Much Car Insurance Do You Need? - Is cheap car insurance going to provide you with the amount of car insurance that you need? What are some tips for finding out how much car insurance you need?
  • Personal Injury Cases: Frequently Asked Questions Part #1 - In my practice I frequently get the same basic questions from potential new clients. Question: Do I have a case? Answer: This is a difficult question to answer without knowing all of the facts and circumstances involved. The success of a case will depend on the specific facts involved and the laws of the jurisdiction or region where the incident occurred. Generally, if you can show that the party responsible for your injuries violated some duty of care (e.g.
  • How To Compare Low Cost Automobile Insurance In Washington - If you live in Washington State you’ve likely heard of the 25/50/10 coverage. This is reflective of the minimum amount of liability coverage you are mandated to have under state law. Most individuals see the value in having more but it comes at a cost. Finding the best insurance at the lowest price possible is the primary goal of any motorist. Some tips that may prove fruitful when it comes to comparing insurance policies are: •If a company gives you a quote that is well below any else, do some research. It’s important to check to ensure that the agent and the auto insurance company are licensed to do business in the State of Washington.

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