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Car Insurance Costs

Will my insurance premium raise after an uninsured motorist claim?

Uninsured motorist property damage coverage usually comes with a deductible, much like your collision coverage would. However, unlike collision coverage, an uninsured motorist property damage claim won't raise your premium as much as a collision claim out.
Feb 3, 2018 Frederick, Maryland

Coverage & Claims

My uninsured van was totaled by a driver with coverage

Your insurance status doesn't impact your ability to have your vehicle repaired or be reimbursed. In this case, your neighbor having "full coverage" wouldn't matter because that typically covers damages to their vehicle (through comprehensive and collision) rather than their liability which would help you, in this scenario.
Jan 23, 2018 Philadelphia, Pennsylvania

Eligibility

The at-fault driver's insurance didn't cover all the damages

If you have uninsured/underinsured motorist, your insurance company might be able to help you. This driver would fall under the "underinsured" category, meaning they have insurance but not enough.
Jan 21, 2018 Reseda, California

Coverage & Claims

My vehicle was totaled by an uninsured driver

In the state of Maryland, one of the coverage typically included in your liability is uninsured motorist coverage, which would apply in this situation. Uninsured Motorist coverage is legally required in Maryland and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault.
Jan 15, 2018 Hyattsville, Maryland

General Insurance

I was hit by an uninsured driver

If you do not have uninsured/underinsured motorist coverage, your next step is to take the at-fault driver to small claims court. This allows you to file suit for small amounts of damages from others, but keep in mind that you'll need to make your case and there can be costs associated with this and its not guaranteed that you will win (although a police report is very helpful).
Jan 13, 2018 Los Angeles, CA

Coverage & Claims

Got into a not-at-fault accident when I was uninsured

First, you should consider that insurance follows the vehicle not the driver. So even though your friend who was driving had insurance, you still need insurance on any registered vehicle that is on the road.
Jan 7, 2018 Fresno, California

Eligibility

I was driving my mom's car and was ticketed for not having insurance.

Because insurance is required in Florida (and most states in the US), you will most likely be fined and could have your license, registration, and vehicle tags suspended for driving without it. While the fine varies based on the number of violations, it can range from $150-$500.
Dec 9, 2017 Belleview, Florida

Coverage & Claims

If I hit an uninsured driver, can he go after me for damages?

Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault.
Nov 23, 2017 Atlanta, Georgia

Car Insurance Costs

Can an insurance company force add me to a policy even if I do not drive?

Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy.
Sep 30, 2017 Denver, CO

Coverage & Claims General Insurance

Is it necessary to get umbrella insurance with uninsured / uninsured coverage?

Umbrella insurance provides additional liability coverage above and beyond what you have on your auto and homeowners policies. This protects your assets in the event that you are sued for injury or damage that you may have caused to another party for which you are liable.
Aug 3, 2017 Columbus, OH
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