|
It matters what state you are in and your policy declarations, so you have to refer to your policy for specific coverage definitions. But uninsured and underinsured motorist coverage typically will compensate you for not only the out-of-pocket expense of your injuries, but for your pain and suffering as well.
Underinsured Motorist Bodily Injury covers you, the insured members of your household and your passengers for injuries, damages or death caused by the negligence of a person with insufficient insurance. If you have an accident with a person whose coverage cannot meet your damages, your policy will meet the difference-up to the limit of liability listed on your policy.
Uninsured Motorist Bodily Injury covers you, the insured members of your household and your passengers for bodily/personal injuries, damages or death caused by an at-fault uninsured or hit-and-run driver. If you are involved in an accident where the other driver is at fault but has no insurance, your policy will cover your medical expenses, up to the limit on your policy.
|
 | What can I do to protect myself against uninsured drivers? | | Is there a scale that is used to determine "pain and suffering" settlements? I was recently involved in a car accident caused by an uninsured motorist. I have been to the doctor but still fe... | | With uninsured motorist coverage, is there a limit to the amount of money you can be reimbursed for? If medical bills and pain and suffering go over the typical 15/30? | | Someone insured in Virginia, tort state, has an accident caused by another in Pennsylvania, a no fault state. The negligent driver also lives in Pennsylvania. Who's insurance will pay damages, such as... | | My daughter was at a light when the person in front of her put her car in reverse (due to a dump truck coming close to her), and she hit the front of my daughter's car. The police gave her a ticket fo... | | Is is really necessary to carry uninsured motorist coverage and what exactly does it cover? | | In Florida, if I have separate medical insurance for myself and my family, "Medical Payments" auto coverage, and a high auto "Liability" coverage, what good would "uninsured m... | | I was recently rear-ended and the car was flipped and likely totaled - I have not heard from the adjuster yet. I am upside-down on my loan (owe more than the local market value). The other guy's insur... |
|
|
|
| What did you think of this question and answer?
|
|
|
| Tell us why you rated this car insurance question and
answer this way:
|
|
|
|
|
|
|
|
 | I was looking for the answer to that question because I have underinsured and was in a car wreck and it was the other person fault and he did not have enough insurance to cover all of my medical bills and the surgeries that I wil need to have. This information really helped me now i know and sometime you no that some lawyers are in it for the money and not always honest so this is important information to me! | | Is this the kind of insurance that covers damages caused in my car by other vehicle that was gone from the accident place, without leaving oportunity to take its tag number? | | My car was totaled on July 3, 2008. I have full coverage. My passenger received a settlement and Id like to know why I was never offered a settlement. The wreck was my fault, but in the state of KY there is a "no fault" clause. I was taken to the hospital by ambulance and luckily for me the only thing that really beat me up was the air bag. I have a scar on my left forearm, and I also have whiplash. The main thing that concerns me is the post traumatic stress. Why was I not offered anything for my pain and suffering? I really need to know the answer to this before I hire an attorney. |
|
|
|
| This car insurance question was asked on 4/18/2005 | | | This auto insurance answer was last updated on 6/14/2006 | | | Rated 7 out of 10 based on 9 votes. | | | Claims | |  Print this car insurance question and answer | |  Email this auto insurance answer | |
| Disclaimer: Answers and comments provided are for
information purposes. They are not intended to substitute informed professional
advice. These responses should not be interpreted as a recommendation to buy or
sell any insurance product, or to provide financial or legal advice. Please
refer to your insurance policy for specific coverage and exclusion information.
Please read our
Terms Of Use. |
|
|
|