Uninsured motorist insurance

Uninsured motorist insurance

Insurance that covers the policyholder and family if they are injured by a hit-and-run or uninsured motorist, assuming the other driver is at fault.

Uninsured Motorist Insurance

An insurance policy or supplemental providing coverage to a motorist and/or his family in the event of a car accident with another driver who either has no car insurance or does not provide it on request. Uninsured motorist insurance only provides coverage if the policyholder is not at fault in the accident.
References in periodicals archive ?
Furthermore, in addition to UM coverage, more than thirty states have enacted statutory requirements "that mandate underinsured motorist insurance which affords more extensive coverage than that required by both the original uninsured motorist insurance legislation and the statutes that required supplementary uninsured motorist insurance." (96) UIM coverage "provide[s] additional coverage for those injured by a negligent motorist where that motorist's liability coverage does not fully pay for the injured party's actual damage." (97) Rather than insuring a particular vehicle, UIM coverage "is floating insurance that follows the insured." (98) There are two main categories of UIM insurance statutes, although not all states have such statutes.
(96.) WIDISS & THOMAS, supra note 91, [section] 31.5 ("Underinsured motorist insurance was developed to address (1) the inadequacies of uninsured motorist insurance...
In the Florida Bicycle Accident Handbook, Dodson covers important safety issues such as how accidents happen; how medical bills can be paid after a crash; 8 steps for a cyclist to take after an accident and how uninsured motorist insurance protects cyclists and is critically important for every cyclist to carry on their own auto policy.
Uninsured motorist insurance and underinsured motorist insurance can vary by state and are sometimes optional.
An alternative approach for consumer procurement of basic limits of uninsured motorist insurance has been presented.
Motorists would have to be notified as to the existence of uninsured motorist insurance under legislation introduced by Assemblyman Philip B.
Dodson stressed the importance of carrying Uninsured Motorist insurance (UM).
Uninsured motorist insurance generally has a minimum upper limit similar to that of the state's minimum for bodily injury liability.
Purchasers of uninsured motorist insurance should note, though, that it only provides protection for bodily injury damages in most states.