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lutuber老司机-What is uninsured and underinsured motorist coverage?

    En español: ¿En qué consiste la cobertura contra conductores sin seguro y con seguro insuficiente?

    Uninsured motorist insurance is a component of your car insurance, which protects you, your passengers and your car in the event of injury or damage when an at-fault driver has no auto insurance.  Underinsured motorist insurance covers injuries sustained at the hands of a driver who has insurance, but the driver’s policy is insufficient to pay for all your medical expenses.

    Uninsured/underinsured motorist coverage is one of four components to a well-rounded auto insurance policy. The other major components are liability, collision /comprehensive and MedPay/PIP.

    The national average for uninsured drivers on the road is 13 percent, or one in eight drivers. That might seem like a small number, but that means at a busy intersection, there’s likely to be at least one uninsured driver. In some states, that rates increases significantly. For instance, in Florida, an estimated 26.7 of drivers are uninsured, according to the latest data from the Insurance Research Council.

    Read on to learn about uninsured and underinsured motorist coverage.

    What are the different kinds of UM coverage?

    What are ‘Offset’ versus ‘excess’ coverage limits?

    Am I required to carry UM/UIM coverage?

    State minimum requirements

    What if I am the one who is uninsured?

    How much can I expect to pay for UM/UIM coverage?

    What is a Negligence law?

    What is policy stacking?

    Won’t my health insurance cover me in a car accident?

    What other kinds of coverages comprise an auto insurance policy?

    Examples of UM/UIM accidents and claims

    啪啪啪视频高清-What are the different kinds of uninsured motorist and underinsured coverage?

    There are four types of uninsured and underinsured motorist coverages, depending on the kind of damages or injuries that occur. Here are the four types:

    • Uninsured motorist bodily injury (UM or UMBI) – covers injuries when you are hit by an at-fault uninsured driver.
    • Uninsured motorist property damage (UMPD) – covers damage to your vehicle when you are hit by an at-fault uninsured driver.
    • Underinsured motorist bodily injury (UIM or UIMBI) – covers injuries when you are hit by an at-fault driver, but only in cases when the at-fault party has insufficient insurance.
    • Underinsured motorist property damage (UNDPD) – covers damage to your vehicle when you are hit by an at-fault driver, but only in cases when the at-fault party has insufficient insurance.

    In some states, uninsured motorist and underinsured motorist are bundled together as one coverage, and you will see it listed as UM/UIM. In other states, you can buy UM and UIM as separate coverages.

    日本一本2017国产-Uninsured Motorist Bodily Injury Hit and run quote

    The most common type, which many states require car owners to carry, is uninsured motorist bodily injury. UM coverage will pay up to your limits – without a deductible – which typically mirror your liability limits (per person and per accident) because UM is basically taking the place of the other driver not having bodily injury liability coverage. Uninsured motorist bodily injury is also used to cover injuries sustained in hit-and-run accidents when the at-fault driver cannot be found.

    This typically covers the following people when harmed by an uninsured driver that is legally liable for the auto accident:

    • You
    • Household members (resident relatives)
    • Permissive drivers of your insured vehicle
    • Passengers of your insured vehicle

    UM coverages can vary by policy term, but generally include these expenses:

    • Medical expenses
    • Lost wages
    • Pain and suffering
    • Other injury-related expenses

    Uninsured motorist coverage ordinarily extends to you and your household members if you’re hit by an uninsured driver as a pedestrian or, in some states, a bicyclist.

    lutuber老司机-Uninsured Motorist Property Damage

    While standard UM coverage pays for medical expenses that result from an accident caused by an uninsured driver, there is a separate kind of coverage for damage to your vehicle.

    Uninsured motorist property damage coverage, or UMPD, is what pays for repairs to your vehicle if you are struck by an uninsured driver. Unlike UMBI, this coverage doesn't protect against damage caused by hit-and-runs or miss-and-runs (also called “phantom vehicle situation” when another driver causes you to crash but doesn’t actually touch your vehicle) because it would be easy for fraudulent claims to be made. For instance, a driver could have a single-car accident and then claim a hit-and-run so he didn’t have to make a collision claim.

    For uninsured motorist property damage, most states have you pick a maximum amount that will be paid out if your car is damagedUMPD limits by an uninsured motorist, similar to how you choose a property damage liability limit for damage you cause others.

    UMPD limits vary by state, but are typically low in comparison to collision coverage, which pays up to your car’s actual cash value.

    Deductibles are usually due with uninsured motorist property damage coverage, and tend to range from $100 to $500. UMPD coverage is generally purchased by drivers who don't have collision coverage, as carrying both collision and UMPD is redundant.

    Why carry UMPD if you don’t think your car is worth enough to buy collision coverage? Because some states require you to carry UMPD. And if you do carry both coverages, some of those states allow you to use UMPD to pay the deductible of your collision coverage when hit by an uninsured motorist.

    lutuber老司机-Underinsured Motorist coverage

    Underinsured motorist is similar to uninsured motorist coverage, but instead covers you when the at-fault driver has insufficient insurance to fully compensate you. Insurance companies generally define underinsured as anyone who is at-fault and has bodily injury liability limits that are less than your UIM limits and the limits are not enough to cover the losses of those injured.

    Underinsured motorist property damage (UNDPD) is much less common than its liability counterpart. Since collision coverage generally offers better protection than UNDPD, underinsured motorist property damage is predominantly sold when required by the state and bundled with uninsured motorist property damage.

    Your car insurance company won’t pay out for damages that have already been paid for by another party; therefore, many policies require that you inform them in writing of any tentative settlement with the at-fault uninsured driver or you must obtain your insurer’s permission before filing a claim (within the allowed timeframe) with the underinsured driver’s insurer. Failure to do so may result in a complete loss of your benefits or could be considered insurance fraud.

    啪啪啪视频高清-‘Offset’ versus ‘excess’ coverage limits

    In some states, you have the option of carrying “offset” or “excess” UIM coverage.  If your insurer offers both types, you choose at the onset of your policy which type you want to carry. Excess coverage leaves the possibility that your insurance company could have to pay out more, so it costs more than offset coverage.  

    Offset or Difference in limits coverage -- In most states, underinsurance motorist bodily injury coverage is allowed to have a reducing clause that allows your insurance company to reduce, or offset, your payout by any amounts recovered from another party’s liability policy. 

                    Example: You're in an accident and end up with $50,000 in medical bills. The other driver's insurance only pays for $20,000. You need to have $50,000 in UIM coverage in order to reap the additional $30,000 in benefits. If you only have $30,000 in UIM coverage, you only get $10,000, because the $20,000 settlement would be deducted from your UIM policy limits.

    Excess coverage – In some states, UIM coverage is considered "excess coverage" – above and beyond what's paid by the other driver's insurance. In states with this type of UIM coverage, your limits are not reduced by what the at-fault’s insurer has paid you, and instead your UIM coverage is in addition to it. 

                Example: You are in an accident with total damages of $35,000. The other driver's insurer pays $20,000, and your UIM limit is $20,000. You receive the $15,000 payout from your UIM policy.

    啪啪啪视频高清-Am I required to carry uninsured/underinsured motorist coverage?

    The requirement for uninsured motorist coverage all depends on your state’s minimum car insurance requirements.

    • In more than half of U.S. states, you are required to carry uninsured motorist coverage.
    • In some states, a combination of uninsured and underinsured motorist coverage is required.
    • In some states, you must carry UM but can skip UIM coverage.
    • In most states that don’t require uninsured motorist coverage, you must still be offered the coverage. It might be necessary to reject it in writing as the coverage may be automatically included on your policy.

    Locate your state in the table below to view the UM/UIM requirements.

    日本一本2017国产-UM/UIM State minimums

    StateUM/UIMUM/UIM Limits per person / per incidentUMPD
    AlabamaNot required; may reject in writingn/aNot offered
    AlaskaNot required; may reject in writingn/aMay reject in writing
    ArizonaNot required; may reject in writingn/aNot offered
    ArkansasNot required; may reject in writingn/aMay reject in writing
    CaliforniaNot required; may reject in writingn/aMay reject in writing
    ColoradoNot required; may reject in writingn/aNot required
    ConnecticutUM/UIM20/40Not offered
    Delaware*Not required; may reject in writingn/aNot required
    District of ColumbiaUM25/50$5,000
    FloridaNot required; may reject in writingn/aNot offered
    GeorgiaNot required; may reject in writingn/aMay reject in writing
    HawaiiNot required; may reject in writingn/aNot required
    IdahoNot required; may reject in writingn/aNot offered
    Illinois**UM25/50Not required
    IndianaNot required; may reject in writingn/aMay reject in writing
    IowaNot required; may reject in writingn/aNot offered
    KansasUM/UIM25/50Not offered
    KentuckyNot required; may reject in writingn/aNot offered
    LouisianaNot required; may reject in writingn/aNot required
    MaineUM/UIM50/100Not offered
    MassachusettsUM/UIM20/40Not offered
    MichiganNot required; may reject in writingn/aNot offered
    MinnesotaUM & UIM25/50Not offered
    MississippiNot required; may reject in writingn/aMay reject in writing
    MissouriUM25/50Not offered
    MontanaNot required; may reject in writingn/aNot offered
    NebraskaUM &UIM25/50Not offered
    NevadaNot required; may reject in writingn/aNot offered
    New HampshireUM/UIM25/50Not required
    New JerseyUM & UIM15/30$5,000
    New MexicoNot required; may reject in writingn/aNot required
    New YorkUM25/50Not offered
    North CarolinaUM30/60$25,000
    North DakotaUM &UIM25/50Not offered
    OhioNot requiredn/aNot required
    OklahomaNot required; may reject in writingn/aNot offered
    OregonUM25/50Not required
    PennsylvaniaNot required; may reject in writingn/aNot offered
    Rhode Island***Not required; may reject in writingn/aMay reject in writing
    South CarolinaUM25/50$25,000
    South DakotaUM & UIM25/50Not offered
    TennesseeNot required; may reject in writingn/aMay reject in writing
    TexasNot required; may reject in writingn/aNot required
    UtahNot required; may reject in writingn/aMay reject in writing
    WashingtonNot required; may reject in writingn/aNot required
    West VirginiaUM25/50$25,000
    WisconsinUM25/50Not offered
    WyomingNot required; may reject in writingn/aNot offered

    * Delaware requires that if you buy UM, you must also buy UMPD of $5,000.

    ** Illinois requires UIM coverage if you purchase higher limits of UM coverage.

    *** Rhode Island does not require UM/UIM unless you buy higher liability limits, then it is required as part of your policy.

    日本一本2017国产-What if I am the one who is uninsured?

    Driving without car insurance is risky business. There are several possible repercussions and negative outcomes from driving without auto insurance:

    • Personal liability. Without insurance, if you cause an accident, you're personally liable for injuries and damage to others -- not to mention your own medical and car-repair bills.
    • Required by law. Unless you live in New Hampshire -- the only state that doesn't require drivers to carry auto liability insurance -- you're subject to legal penalties if you drive without it. (But even in New Hampshire if you cause an accident you have to be able to financially cover the damages you cause, or else you can be penalized.)
    • Penalties, fines and possible jail time. Potential punishment for driving uninsured varies widely. Most states will penalize you with a fine, but some could suspend your driver’s license, require you to do community service or sentence you to jail.

    In some states you don’t even need to be caught driving without insurance to be penalized.  If your state keeps an insurance database and sees that your vehicle isn’t insured, it may be able to fine you and take other measures, such as suspending your registration. Read more about state penalties for driving without insurance.

    lutuber老司机-How much can I expect to pay for UM/UIM coverage?

    The cost of uninsured and/or underinsured motorist coverage can vary greatly, as multiple factors contribute to the coverage’s cost. Generally, you can expect UM/UIM coverage to be about 10 percent of the total premium cost.

    Here are some of the major factors that can affect the rates:

    In the chart below, Insure.com identified the average annual UM coverage rate of the 20 most popular cars in seven states using available rates from eight national insurance carriers.   


      lutuber老司机-Average price of UM coverage


        1. 神州斯斯cc18tv手机版-$105








                                        • lutuber老司机-$46


                                        • 啪啪啪视频高清-$110



                                          As evident between Massachusetts and Florida, the cost can vary wildly by location. Massachusetts boasts the lowest percentage of uninsured motorists in the country at around 4 percent, while Florida has the second-worst ranking with 24 percent. But insurance companies can also differ drastically in rates.  In order to get the cheapest car insurance for your situation, comparing carriers is critical. Use Insure.com’s tools to find the average insurance rate by vehicle or rates by state to discover a ballpark of what you can expect to pay for basic coverages before shopping around.

                                          日本高清不卡码无码视频-What is a Negligence law?

                                          The uninsured driver that hit you must be found at fault for the incident for your UM coverage to kick in. Depending on the negligence laws of your state, your UM payment could be reduced or eliminated if you’re found partially at fault.

                                          • Comparative negligence - you can only collect damages if your degree of fault doesn’t surpass that of the other driver. If your insurance company finds that you were 20 percent responsible for the accident, your UM policy would only pay up to 80 percent of your damages up to your policy limits.
                                          • Contributory negligence - prevents you from receiving any compensation if you’re found to be at fault at all.
                                          • Modified negligence – you cannot receive compensation if you’re found 50 percent or more at fault. With the 51 percent rule, you can recover money if you’re 50 percent or less at fault, but not if you’re 51 percent or more at fault. 

                                          啪啪啪视频高清-Negligence laws by state

                                          AlabamaContributory Negligence
                                          AlaskaComparative Negligence
                                          ArizonaComparative Negligence
                                          ArkansasModified Comparative Negligence – 50% Rule
                                          CaliforniaComparative Negligence
                                          ColoradoModified Comparative Negligence – 50% Rule
                                          ConnecticutModified Comparative Negligence – 51% Rule
                                          DelawareModified Comparative Negligence – 51% Rule
                                          District of ColumbiaContributory Negligence
                                          FloridaComparative Negligence
                                          GeorgiaModified Comparative Negligence – 50% Rule
                                          HawaiiModified Comparative Negligence – 51% Rule
                                          IdahoModified Comparative Negligence – 50% Rule
                                          IllinoisModified Comparative Negligence – 51% Rule
                                          IndianaModified Comparative Negligence – 51% Rule
                                          IowaModified Comparative Negligence – 51% Rule
                                          KansasModified Comparative Negligence – 50% Rule
                                          KentuckyComparative Negligence
                                          LouisianaComparative Negligence
                                          MaineModified Comparative Negligence – 50% Rule
                                          MarylandContributory Negligence
                                          MassachusettsModified Comparative Negligence – 51% Rule
                                          MichiganModified Comparative Negligence – 51% Rule
                                          MinnesotaModified Comparative Negligence – 51% Rule
                                          MississippiComparative Negligence
                                          MissouriComparative Negligence
                                          MontanaModified Comparative Negligence – 51% Rule
                                          NebraskaModified Comparative Negligence – 50% Rule
                                          NevadaModified Comparative Negligence – 51% Rule
                                          New HampshireModified Comparative Negligence – 51% Rule
                                          New JerseyModified Comparative Negligence – 51% Rule
                                          New MexicoComparative Negligence
                                          New YorkComparative Negligence
                                          North CarolinaContributory Negligence
                                          North DakotaModified Comparative Negligence – 50% Rule
                                          OhioModified Comparative Negligence – 51% Rule
                                          OklahomaModified Comparative Negligence – 50% Rule
                                          OregonModified Comparative Negligence – 51% Rule
                                          PennsylvaniaModified Comparative Negligence – 51% Rule
                                          Rhode IslandComparative Negligence
                                          South CarolinaModified Comparative Negligence – 51% Rule
                                          South DakotaComparative Negligence
                                          TennesseeModified Comparative Negligence – 50% Rule
                                          TexasModified Comparative Negligence – 51% Rule
                                          UtahModified Comparative Negligence – 50% Rule
                                          VermontModified Comparative Negligence – 51% Rule
                                          VirginiaContributory Negligence
                                          WashingtonComparative Negligence
                                          West VirginiaModified Comparative Negligence – 50% Rule
                                          WisconsinModified Comparative Negligence – 51% Rule
                                          WyomingModified Comparative Negligence – 51% Rule

                                          啪啪啪视频高清-What is policy stacking?

                                        • Policy stacking is an option that allows you to increase your UM bodily injury and UIM bodily injury coverage limits by the number of cars you have insured with your carrier. For this heightened level of protection, you will pay a higher amount for your UM and UIM coverages.

                                          Example: If you have four cars on your auto policy, each with UM limits of $100,000, you can choose to stack these and combine the coverage limits for a total limit of $400,000.

                                          A reason to stack your coverages is to obtain much higher limits for UM and UIM coverage.  However, if you’re pinching pennies, you may want to hold off on stacking since you’ll pay more for the privilege (because your car insurance company could possibly have to payout more if you used your UM/UIM coverage). 

                                          Stacking is not allowed in every state.   And, in states that do allow it, not all car insurance companies offer it.  Find out more about policy stacking and which states it’s allowed.

                                          啪啪啪视频高清-Won’t my health insurance cover me in a car accident?

                                          If you’re in an auto accident caused by an uninsured motorist and you don't have UM coverage, your health insurance will generally pay for your medical bills related to that car accident, with you paying for any deductible and co-payment amounts. That can easily add up to a hefty amount if you require a hospital stay. If you have UM/UIM coverage, that pays for health care expenses before your health insurance kicks in.

                                          Your health insurance won't pay for lost wages if you miss work or for pain and suffering resulting from the crash. Lost wages and pain and suffering are paid for by the at-fault driver's liability insurance. If the other driver doesn't have liability insurance, or doesn't have enough of it, you're out of luck — unless you want to pursue the matter in court.

                                          As with any other car accident, before you can make a claim on UM/UIM coverage, car insurance companies will want to investigate the claim. They will confirm that the other motorist is uninsured or underinsured and that he or she is at fault.

                                          Even if you live in a no-fault state, it may still be a good idea to buy UM/UIM coverage. In a no-fault state, you have to file a claim with your own insurer — no matter who is to blame for the accident — and your right to sue the other party is restricted. However, drivers are allowed to sue for severe injuries and pain and suffering if the case meets certain conditions. If the other driver is uninsured or underinsured, and you win a lawsuit against him, there may be nothing to collect.

                                          lutuber老司机-What other kinds of coverages comprise an auto insurance policy?

                                                          In addition to UM/UIM, there are three additional main components of an auto insurance policy. These components can vary depending on the auto insurance requirements in your state.

                                                          • Liability - The main component of any auto insurance required by states in order for drivers/car owners to have a way to compensate those that they harm with a vehicle.
                                                          • Personal injury protection (PIP) or MedPay - These coverages pay for your auto accident related injuries, regardless of fault, up to your limits. Most states that require PIP are termed “no fault” states and your PIP coverage is primary, even if another party is at fault and carries bodily injury liability coverage.
                                                          • Collision and Comprehensive – The two types of physical damage coverage that you can add to your policy to protect your vehicle. These coverages are optional in most instances, according to state laws. Collision covers damage to your car if it hits or is hit by another car or object. Comprehensive replaces stolen cars and covers damage to your car from fire, vandalism, and natural disasters.

                                                          神州斯斯cc18tv手机版-Examples of UM/UIM accidents and claims

                                                          1.      During your commute to work, you are rear-ended by a driver with no insurance. Your car is badly damaged, and you opt to get checked out at the hospital.

                                                          Since the other driver is uninsured, you have to look to your own insurance policy for help. If you have uninsured motorist bodily injury, you can make a claim for your medical expenses, lost wages and pain and suffering if your injury calls for it. Without UMBI coverage, you could use MedPay or PIP coverage, if you have it, or your own health insurance – but you’ll have to pay your deductible and co-payments. For your vehicle’s damages you could make an uninsured motorist property damage (UMPD) claim or a collision claim. 

                                                          2.      You are a pedestrian in a crosswalk, and you are struck by a car making a right on red. You are taken to the hospital. The driver has no insurance.

                                                          If you have UMBI, you can make a claim with your insurer. The insurer may then pursue the driver to ask for reimbursement for the monies it paid out. If you do not have UMBI, then your health insurance should cover your medical expenses, less any co-pays or deductibles that are due.

                                                          If you do not have UMBI or other medical insurance to pay your medical bills, you would need to pursue the driver in court to pay for your medical and other expenses incurred due to the incident.

                                                          3.      When leaving a lunch date, you find your car has been struck in the parking lot. The driver at fault left no information. 

                                                          Without recourse to take against an unknown at-fault party, you need to have collision coverage to make a claim. If you have UMPD, it’s doubtful that you could make a claim since hit-and-run accidents generally aren’t covered. In a few states, if you have an unbiased witness to the event that will testify to it, you can make a UMPD claim.


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