Often people think that if they have insurance coverage, no matter what happens on the road – they are safe. Well, you may be surprised but there are quite few uninsured drives out there on the road. What happens if you get in an accident with an uninsured driver? Sometimes people start to think about it only when the accident happened. Here are few frequently asked questions about uninsured motorist coverage that people ask. It is good to know the answers on these questions before you actually get in an accident.
1. I have had an accident with an uninsured driver. What do I do? Contact your state Department of Revenue which enforces the financial responsibility laws in the state. They will investigate and when necessary enforce the statute. In case when you are injured, you may report the loss under your uninsured driver coverage with your company.
2. Do I have to purchase uninsured motorist coverage on an auto policy? In many states you have to have uninsured motorist coverage on your auto insurance policy and the insurance company will mot issue a contract of automobile liability coverage without including uninsured motorist coverage in your policy. At the same time, some states allow you to drive without having this type of policy. You will have to check your state laws before taking a final decision on whether you want to have it or you don’t.
3. What does uninsured motorist coverage actually cover? This type of coverage applies to bodily injury only. Uninsured motorist coverage will protect you from hit and run drivers. It will also cover your losses for injuries sustained while in the car or as a pedestrian when hit by am uninsured driver. You need to remember that this type of coverage does not cover damage to your vehicle. So, if you want your vehicle to be covered you will need to check with your insurance company what other options are available.
Many people think that since having at least liability coverage is a mandatory in all states, there are no uninsured drivers on the roads and uninsured motorist coverage is simply not needed. This is not correct and every fifth accident happens with uninsured driver participation.
1. I have had an accident with an uninsured driver. What do I do? Contact your state Department of Revenue which enforces the financial responsibility laws in the state. They will investigate and when necessary enforce the statute. In case when you are injured, you may report the loss under your uninsured driver coverage with your company.
2. Do I have to purchase uninsured motorist coverage on an auto policy? In many states you have to have uninsured motorist coverage on your auto insurance policy and the insurance company will mot issue a contract of automobile liability coverage without including uninsured motorist coverage in your policy. At the same time, some states allow you to drive without having this type of policy. You will have to check your state laws before taking a final decision on whether you want to have it or you don’t.
3. What does uninsured motorist coverage actually cover? This type of coverage applies to bodily injury only. Uninsured motorist coverage will protect you from hit and run drivers. It will also cover your losses for injuries sustained while in the car or as a pedestrian when hit by am uninsured driver. You need to remember that this type of coverage does not cover damage to your vehicle. So, if you want your vehicle to be covered you will need to check with your insurance company what other options are available.
Many people think that since having at least liability coverage is a mandatory in all states, there are no uninsured drivers on the roads and uninsured motorist coverage is simply not needed. This is not correct and every fifth accident happens with uninsured driver participation.
No comments:
Post a Comment