What Does Uninsured or Underinsured Motorist Coverage Cover? Whether you get in an accident with an uninsured or an underinsured driver, uninsured or underinsured motorist coverage will help pay for a number of expenses to get you back on the road. This coverage can pay for the following: Prope...
Uninsured/underinsured motorist (UM/UIM) coverage is a type of auto insurance that protects you in the event of an accident involving a driver who does not have sufficient insurance coverage or no insurance at all. This coverage helps cover expenses related to injuries and damages if the at-fa...
Uninsured motorist (UM)/underinsured motorist (UIM) coverage: Some states require drivers to have UM/UIM coverage in case they're in a collision with a driver with too littler or no insurance. UM coverage can also be useful if you're involved in a hit-and-run accident. Personal injury ...
Unfortunately, this rings true even if you submit claims for stuff that wasn’t your fault. If you get rear-ended by an uninsured motorist and submit a claim, your provider may conclude that you live in a “high-risk area” and raise your rates. Similarly, if you submit a claim for h...
Property damage (PD) liability.Your insurance policy pays for damage to another driver’s car or other property when you’re at fault in an accident. Uninsured motorist (UM) coverage.This coverage pays for bodily injury and property damage expenses if you’re in an accident with an uninsured...
What is temporary auto insurance in Texas? Most providers offer policy terms of six and 12 months, although some carriers may only offer six-month policies. At the end of the term, you can usually renew your policy,switch to another carrieror make changes to your policy if necessary. Your...
Uninsured and underinsured motorist:If you are hit by a driver who does not have insurance or doesn’t have enough insurance to cover your damages, these options could help pay for your injuries and the injuries of your passengers. Depending on the state you live in, you might also be able...
Next, they walked me through what would happen with my claim. They mentioned something about checking if the other driver hadliability insuranceor if I’d need to tap into myuninsured motorist coverage. The whole process sounded complex, but knowing there was a plan in place helped ease some...
When it comes to driving in the state of Texas, drivers must pay for any accidents that they cause under the Texas Financial Responsibility Law. What exactly does this mean? Under this law, you must buy a minimum amount of insurance to cover any damage that is caused to others – includin...
Uninsured motorist coveragehelps pay for vehicle repairs if an uninsured motorist hits you. This coverage may have a lower deductible compared to collision insurance. In some states, the law limits the deductible you can be charged, such as $150 to $500. ...