What exactly will uninsured motorist cover?

Question

IN LOUISIANA WILL THIS COVER DAMAGE TO MY VEHICLE THAT COLLISION AND COMPREHENSIVE INSURANCE WILL NOT TAKE CARE OF

Answer 1

Any amounts that you would have been able to recover from another vehicle operator or owner had they been insured.

UIM is dirt cheap in most states. I'd never consider driving without it. Consider this, for example: You're driving home after work late one night and are stopped at a red light. An uninsured drunk driver comes up from behind you and slams into your car. There's little question that he's liable for your injuries as well as the damage to your car. However since he's uninsured it may well be impossible to ever recover anything from him. If you have UIM coverage you'll collect from your insurance company up to the coverage limits. It will be up to the insurance company to recover from the other driver.

Answer 2

Uninsured Motorist coverage protects you and anyone riding in your vehicle if you are involved in an accident with someone who has no insurance. Even if your state requires insurance coverage, there are those who ignore the law. Should you be injured due to someone else's irresponsibility, Uninsured Motorist will cover your medical expenses up to the limit on your policy.

Answer 3

Unisured/Underinsured Motorist coverage is for your protection in the event you are injured in a motor vehicle accident by another driver that is uninsured or his Bodily Injury Liability limits are exceeded. It is similar to Bodily Injury Liability coverage, except you are purchasing it for you and your passengers' health benefits, not someone else. In Florida, Uninsured/Underinsured Motorist coverage is also the portion of your automobile insurance that pays for your permanent impairments or disabilities if the at-fault party does not have Bodily Injury Liability or he carries low Bodily Injury Liability coverage.

Uninsured/Underinsured Motorist coverage is also represented in a "split limits" format such as 10/20, etc. The first number first number references the coverage for each person in your car ($10,000). The second number references the limits of coverage for each accident ($20,000).

Now remember, your PIP coverage will initially pay for your medical bills. If you have Medical Payments coverage, it will pick up after the PIP is exhausted. Uninsured/Underinsured Motorist coverage will become effective after the PIP benefits and Medical Payments coverage have run out.

Answer 4

On the simplest term- UMPD and UMBI covers the insured in an event of a covered loss wherein the other party is found at fault and does not have an insurance. It would also cover a hit and run acccident.

however, state laws differ from one to another especially in no-fault states like MI. Like for the state of NC, UMPD for hit and run would not apply if we dont now the owner of the c/v.

Answer 5

Covers your vehicle in case the other guy doesn't have any and caused an accident

Answer 6

Damage to you and your vehicle by an un or under insured motorist.

Answer 7

It cover your losses during a accident when other driver don't have any insurance.

Answer 8

YES , I THINK IT HAS ALL BEEN SAID IN ALL OF THE ABOVE --- AS GOOD OR BETTER THAN I COULD HAVE SAID IT.

Answer 9

nada