Uninsured/Underinsured Motorist Coverage

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PostPosted: Sat Mar 26, 2011 11:25 am   Post subject:   

Quote:
If the driver of the vehicle is not at fault will the insurance pay for the damages if the person who was driving wasn't listed on the policy with UM?




If the driver of the vehicle was properly licensed and operating the vehicle with the permission of the owner, then, generally, the answer is yes -- but some policies revert coverage (BI/PD, possibly UM) to state minimums when the vehicle is operated by an unlisted driver. If the driver of the vehicle has his or her own personal auto policy with UM coverage, that policy will provide a benefit in the event the policy covering the vehicle does not (or provide additional secondary coverage beyond the limits of the primary policy).


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PostPosted: Fri May 20, 2011 1:56 am   Post subject: I was hit by an under insured driver  

I was in an accident in Wisconsin last November. I was rear-ended by an inattentive driver and it totaled out my 4runner. The other driver has a policy of 50,000/100,000. They already gave me a check for the totaled suv. I have had an MRI and have bulging disc. I have gone thru 4 months of PT and gone thru one epidural with no success. Can my attorney sue my insurance co for underinsured coverage --my policy covers up to 250,000 underinsured. What do you think one is entitled to.


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PostPosted: Wed Sep 28, 2011 6:33 pm   Post subject: UIM/UM coverage in NC pre-2009  

Sil -

I'm doing research on how the different major carriers addressed the enforcement of signed selection/rejection forms in NC for policies sold over the phone or online before the 01/01/09 change in the statutory law. Ideally I'd like to see the forms and/or cover letters that were sent out to new/renewing policyholders. Can you point me in the right direction?


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PostPosted: Wed Oct 12, 2011 11:18 pm   Post subject: uninsured  

I'm had a fender bender with a another car, no damage was done, and no one was hurt. However I'm uninsured and the other party wants to purse. A claim. What do I do. What is the worst that could happen to me?


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PostPosted: Thu Oct 13, 2011 10:13 am   Post subject:   

Quote:
no damage was done, and no one was hurt. However I'm uninsured and the other party wants to purse. A claim.


Now think about what you've said here. "I had a fender bender" but "no damage was done" and now "the other party wants to sue." You can't sue for "no damage", so obviously there was damage.



What can happen to you for driving without insurance? You could lose your license, and you could lose a small claims lawsuit. What's the worst thing that could happen? Both of those combined.


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CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
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