Essential Facts you Need to Know About Uninsured Motorist Coverage
California law requires every motorist to have a proof of financial responsibility. One way to obtain this is to purchase an insurance policy. However, some motorists refuse to abide with this law and cause road hazard.
The National Highway Traffic Safety Administration report showed that most vehicular accidents involved drivers who lack insurance. No matter how careful you are on the road, chances are an uninsured driver can ruin your life.
Here are essential facts that you need to know on uninsured motorist coverage:
1. Uninsured motorist coverage is designed to compensate an injured person caused by a driver who lacks insurance. When the car owner's family members sustained injuries in a vehicular accident, coverage also applies.
Insurance companies are mandated by law to have uninsured motorist coverage included in the policy. A client can choose to waive this through a written agreement. Policies designate such coverage by letters "UM".
2. Your immediate family members are also covered by your purchased UM insurance policy. Your spouse, children or legal dependents can receive compensation for injuries or losses from an accident. Even if your children are studying away from your town, they can still be covered.
Uninsured motorist coverage applies even to passengers, pedestrians, bystanders, bicyclists, and motorcycle riders. The person doesn't have to be a driver in order to avail of UM policy. Insurance companies will only look at the lack of insurance policy of the negligent driver who caused your injuries.
3. Uninsured motorist coverage applies once the accused driver has no available insurance or lack sufficient financial resources. This coverage applies to cases of felony hit-and run cases.
If the accused driver has insurance policy, yet insufficient to cover your medical needs; your policy will cover for the rest of amount. For example, the accused driver only has $30,000.00 UM policy and you have $100,000 worth of UM coverage; your insurer will pay the rest of $70,000.
4. Your insurer will pay for your economic and non economic losses. Your insurer will compensate you for your medical expenses, loss income, and pain and suffering. You may have to submit related documents to process your claim. These include results of laboratory exams, diagnosis, summary of medical treatment received, pay check, and apportioned value for emotional loss.
Uninsured motorist (UM) coverage helps you recover damages for your injuries and losses caused by the driver who lacks insurance to compensate you.
If you or your family is injured in a vehicular accident, consult with a Personal Injury lawyer to help you decide on which legal actions to take.
The National Highway Traffic Safety Administration report showed that most vehicular accidents involved drivers who lack insurance. No matter how careful you are on the road, chances are an uninsured driver can ruin your life.
Here are essential facts that you need to know on uninsured motorist coverage:
1. Uninsured motorist coverage is designed to compensate an injured person caused by a driver who lacks insurance. When the car owner's family members sustained injuries in a vehicular accident, coverage also applies.
Insurance companies are mandated by law to have uninsured motorist coverage included in the policy. A client can choose to waive this through a written agreement. Policies designate such coverage by letters "UM".
2. Your immediate family members are also covered by your purchased UM insurance policy. Your spouse, children or legal dependents can receive compensation for injuries or losses from an accident. Even if your children are studying away from your town, they can still be covered.
Uninsured motorist coverage applies even to passengers, pedestrians, bystanders, bicyclists, and motorcycle riders. The person doesn't have to be a driver in order to avail of UM policy. Insurance companies will only look at the lack of insurance policy of the negligent driver who caused your injuries.
3. Uninsured motorist coverage applies once the accused driver has no available insurance or lack sufficient financial resources. This coverage applies to cases of felony hit-and run cases.
If the accused driver has insurance policy, yet insufficient to cover your medical needs; your policy will cover for the rest of amount. For example, the accused driver only has $30,000.00 UM policy and you have $100,000 worth of UM coverage; your insurer will pay the rest of $70,000.
4. Your insurer will pay for your economic and non economic losses. Your insurer will compensate you for your medical expenses, loss income, and pain and suffering. You may have to submit related documents to process your claim. These include results of laboratory exams, diagnosis, summary of medical treatment received, pay check, and apportioned value for emotional loss.
Uninsured motorist (UM) coverage helps you recover damages for your injuries and losses caused by the driver who lacks insurance to compensate you.
If you or your family is injured in a vehicular accident, consult with a Personal Injury lawyer to help you decide on which legal actions to take.
posted by Mesriani Law at
4:23 PM
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