With all of these factors out of the driver’s control, the best way to prepare for an accident is to prepare for the financial fallout that is likely to accompany an accident by purchasing uninsured / underinsured motorist coverage.
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Uninsured Motorist Insurance
Uninsured motorist coverage provides protection to the insured if the other driver(s) in an accident do not have car insurance. This coverage has the added benefit of offering protection to motorists who are victims of hit-and-run type accidents when the at-fault driver cannot be identified.
Unfortunately, not all drivers will follow the law and carry the active insurance that they are required to have. Uninsured motorist coverage is designed to help protect you in the event that you are involved in an accident with a driver who fails to keep their insurance active.
Kansas is a “no-fault” state which can be a misleading term. In Kansas, your medical bills areinitially covered by your own car insurance, in a provision called personal injury protection or PIP. Learn more here about how PIP coverage works in Kansas.
At any moment, almost 20% of drivers in California have absolutely no insurance. Yes, it’s the law… but some people just don’t get it. Your auto insurance carrier offers uninsured motorist coverage, but it’s not required by law. A lot of people decide to skip this coverage, and it’s a huge mistake. Learn more here about the mistake you make by not purchasing UIM insurance.
Whether or not it was the victims fault or that of the driver, the lack of being able to identify the aggressor or associate a face leaves many families at a standstill in their grieving process. Along with shock, anger and questions can emerge especially if a fatality is involved leaving many people asking the question why they left in the first place.
Even though the state of Alabama requires all driver’s to be covered by insurance, this is not always the case. If you are in a car wreck and the other driver does not have insurance, you might need these helpful tips to make sure you get coverage for your injuries and damages.
Typically, when handling a bodily injury claim for personal injuries sustained in an automobile collision or premises liability claim, there is more than one avenue for recovery. Liability insurance is the insurance coverage afforded by the other driver; the driver that caused the collision (i.e. “third party”). Underinsured/Uninsured motorist coverage is insurance coverage afforded byyour insurance (i.e. “first party”). In a collision where injuries are sustained, the liability insurance is initially responsible for injuries sustained in the collision.