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Uninsured/Underinsured Motorist Accidents Archives

Is underinsured motorist insurance necessary?

In your mind, you may believe that everyone is just like you. Reasonable, respectful and diligent about keeping up with car insurance. The truth is that not everyone keeps car insurance, even though it's required by law. As a result, If you're in a crash with one of those people, you could struggle to get paid.

What happens if insurance isn't enough for a victim's claim?

Imagine driving on the highway in Alaska. You are having a good day, and you're enjoying your trip. Suddenly, someone pulls out in front of you, and you have no time to stop. They cause a serious accident, and you are left with thousands of dollars in medical bills.

Laws require insurance in Alaska when you drive

With both financial responsibility and mandatory insurance laws, Alaska has the laws necessary to protect the public from uninsured drivers. The laws give the Division of Motor Vehicles (DMV) the right to remove those who violate the financial laws of the state from the roads for failing to have car insurance.

Does car insurance follow the driver or vehicle?

Nothing is quite as bad as asking for a driver's insurance after a collision and finding out that he or she is uninsured. An uninsured driver may not have the funds to repay you for the damage caused, and he or she may not be able to cover your medical bills.

Hit by an uninsured driver? Here's your options

After you've been in a car accident, one of the first things you'll probably be concerned about is what happens if the driver doesn't have insurance. Auto insurance is compulsory in every state in the U.S., and you must have the state's minimum legal requirements to drive. Despite this, approximately one in seven drivers do not have car insurance at all, based on research by the Insurance Research Council from 2011.

How can you protect a child in a car crash?

There are many causes of motor vehicle accidents, but there are some steps you can take to avoid them. It's important, for instance, to protect your children by having the correct safety seats for their heights and weights. Not having the right child restraint could be against the law depending on the age and height or weight of your child.

Should you purchase under or uninsured motorist coverage?

Imagine getting into a serious accident; you're working through a difficult recovery, have a damaged vehicle and need to replace lost wages. When you go to make a claim for your losses, you discover that the driver who struck you wasn't insured or isn't able to reimburse you the settlement amount you want to receive.

How insurance on vehicles works in the United States

If you're in an accident and the person driving the car that hit you isn't insured, you may not be out of luck. Not only could you sue that person directly, but you could find that the vehicle, if owned by another person, is actually covered by insurance.

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