This form for use in litigation against an insurance company for bad faith breach of contract. Adapt this model form to fit your needs and specific law. Not recommended for use by non-attorney.
Motorist Uninsured Accident For Bodily Injury In Pima
Category:
State:
Multi-State
County:
Pima
Control #:
US-000279
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FAQ
What Should I Do After an Accident If I'm Uninsured? Call emergency medical services if anyone seems to have suffered significant injury. Call local law enforcement to the scene. Exchange information with anyone involved in the accident. Be careful what you say at the car accident scene.
Unstacked car insurance is the opposite of stacked car insurance — meaning your uninsured and underinsured motorist coverage limits are not combined, even if you insure multiple vehicles or live with another driver who insures their vehicle.
Uninsured motorists are basically judgment-proof (ie they have no assets worth anything thus don't care if you sue s/he and win). It's a good idea to keep the uninsured motorist coverage.
Cons of UM/UIM Coverage One of the notable drawbacks of opting for UM/UIM coverage is the accompanying increase in insurance premiums. While this may seem like a financial trade-off, the peace of mind and the level of financial protection it offers in the face of unforeseen events often justify the higher costs.
Given the high prevalence of uninsured and underinsured drivers in Florida, uninsured motorist coverage is crucial for ensuring adequate financial protection.
What is unstacked insurance? Unstacked insurance means that your UM and UIM coverage limits for multiple vehicles are not combined.
Cancelling uninsured motorist insurance is a bad idea. Some people are uninsured for a very good reason, and you should not feel comfortable sharing the road with them. I would not want to risk my health and safety of myself or passengers, or my vehicle.
If the at-fault party doesn't have car insurance, you might have more difficulty getting compensation, but it's not impossible. If you have UI/UIM coverage, you can file a claim against your own insurance. You can also sue the driver directly with a lawyer's help if the driver has enough assets you can claim.
Under the California Financial Responsibility Act, Uninsured Motorist coverage is an important element in making certain that Californians are protected. Not only are medical bills, lost earnings and future losses recoverable, but other out of pocket expenses like home health care, babysitting, and personal assistance.
Statute of Limitations for Uninsured Motorist Claims If you are filing a UM/UIM claim in Arizona, you must follow the state's three-year statute of limitations to recover compensation from your insurer, as per A.R.S. § 12-555.
More info
Your uninsured motorist coverage will apply to cover your car accident injuries and related losses when the at-fault driver has no car insurance. It is important to properly document your uninsured driver car accident to collect evidence for the injury claims process.§ 28-663) requires drivers involved in an accident to exchange at least the following information: name, address, registration, driver's license. I was hit head on in an accident elderly lady and was injured very bad. She only had liability and paid 50,000 in damages for exceeded 300,000. Say you're involved in an accident that wasn't your fault. Remember: our personal injury case consultations are always free! Request a Free Consultation.