Which insurance protects you if you are injured by a hit-and-run driver quizlet?

Asked by: Antwan Ondricka  |  Last update: February 11, 2022
Score: 4.9/5 (63 votes)

Which insurance protects you if you are injured by a hit-and-run driver or a driver who has no way to pay costs? Uninsured/Underinsured motorist insurance.

Which one of the following coverages would pay for medical care for people who were injured in your automobile?

Terms in this set (16)

Which of the following coverages would pay for medical care for people who were injured in your automobile? uninsured motorist's protection.

Which of the following will cover the costs you may be responsible for if you were found to be at fault in an automobile accident that resulted in someone's injury or death?

What is Bodily Injury Liability? If someone else dies or is injured in a car accident, your insurance company covers legal things (if sued), medical bills, and lost wages for other person(s) if you are at fault.

What is the most important protection against financial loss from a collision?

Liability insurance is the most important.

Which type of automobile insurance is required by every state quizlet?

Auto liability insurance is required in virtually every state.

Does Insurance Cover Hit & Run Accidents?

36 related questions found

Which type of auto insurance protects your own car against damage from auto accidents quizlet?

liability insurance. The purpose of liability coverage is to protect the insured against claims for bodily injury to another person or damage to another person's property. It pays nothing toward the insured's own losses, either personal injury or damage to the vehicle.

Which type of auto insurance protects your own car against damage from auto accidents *?

Liability Insurance

Liability insurance will cover the cost of repairing any property damaged by an accident as well as the medical bills from resulting injuries. Most states have a minimum requirement for the amount of liability insurance coverage that drivers must have.

What is the most important car insurance to have?

The most important coverage has to be your state's minimum liability and property damage coverage. More than anything else, you need to maintain car insurance to keep yourself legal to drive. You risk losing your driver's license and fines driving without it.

Is buying more than minimum coverage insurance necessary?

It is always a good idea to buy auto insurance that is more than minimum coverage in order to protect your finances. Although it will cost you more in premiums, in the long run, it will save you a lot of time, energy, and money. Car insurance is no longer optional in most states.

What car insurance is necessary?

California requires drivers to carry at least the following auto insurance coverages: Bodily injury liability coverage: $15,000 per person / $30,000 per accident minimum. Property damage liability coverage: $5,000 minimum. Uninsured motorist bodily injury coverage¹: $15,000 per person / $30,000 per accident minimum.

What is personal injury protection coverage?

Personal injury protection (PIP) helps pay for covered medical expenses caused by an auto accident. PIP can be used whether you're at fault for an accident or not. It can also be extended to certain family members that live in your home. Some states require you carry PIP on your auto policy.

What type of insurance pays for the treatment of injuries and losses to the driver and passengers?

Medical payments or personal injury protection (PIP)

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.

Which type of insurance covers a policyholder if an uninsured driver causes damage to your car?

Uninsured motorist coverage (UM) is an add-on coverage for auto policies that will pay for injuries and damages caused by an uninsured driver. Hit-and-run drivers are also considered uninsured motorists.

What is the best bodily injury coverage?

Financial experts recommend that you carry at least $100,000 in bodily injury liability coverage for one injured person and $300,000 to pay the expenses of multiple victims. Most major car insurance providers will allow you to increase your coverage to these levels, perhaps even higher.

Does full coverage insurance cover medical bills?

Full coverage auto insurance encompasses all parts of liability coverage, but it also covers your vehicle and medical costs if you're at fault.

What is medical payment coverage?

Medical payments coverage is optional in some states and required in others. Medical payments, also known as med pay, helps pay medical bills resulting from injuries from an auto accident. This optional coverage (in most states) can be used regardless of fault for accident related medical treatment.

Should I pay the minimum on car insurance?

Drivers should carry the minimum coverage only when they cannot afford higher limits or have limited assets. ... If you're in a serious car accident but have low insurance limits, another driver, pedestrian or property owner can go after your savings accounts, future earnings and other property to recover damages.

What is bodily injury liability insurance?

What is Bodily Injury Liability? If you are responsible for a car accident, bodily injury liability coverage pays for the medical costs of the people who are injured (not including yourself). This coverage also helps cover payment for legal defense in the event you are sued for damages.

Is comprehensive insurance is the legal name for full coverage?

Full coverage — a shorthand name for policies that include comprehensive and collision insurance — is never required by state law, but your lender may require it if you lease or finance your car.

Does insurance cover hit and run parked car?

If someone on the street hits or sideswipes your parked car and you can prove who caused the damage, their insurance should cover you. If you don't know or can't prove who hit your car but have collision or UMPD coverage, your insurance should cover the damages.

What can car insurance protect you from?

Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. ... Auto insurance provides coverage for: Property – such as damage to or theft of your car. Liability – your legal responsibility to others for bodily injury or property damage.

Which of the following insurance covers damage to your vehicle caused by something other than a collision?

Comprehensive insurance is a coverage that helps pay to replace or repair your vehicle if it's stolen or damaged in an incident that's not a collision. Comprehensive, sometimes called "other than collision" coverage, typically covers damage from fire, vandalism or falling objects (like a tree or hail).

What is the best liability coverage for car insurance?

The best liability coverage for most drivers is 100/300/100, which is $100,000 per person, $300,000 per accident in bodily injury liability and $100,000 per accident in property damage liability. You want to have full protection if you cause a significant amount of damage in an at-fault accident.

What are the types of car insurance coverage?

Six common car insurance coverage options are: auto liability coverage, uninsured and underinsured motorist coverage, comprehensive coverage, collision coverage, medical payments coverage and personal injury protection. Depending on where you live, some of these coverages are mandatory and some are optional.

What does the Hartford cover?

What Does The Hartford Homeowners Insurance Cover? A standard homeowners policy with The Hartford covers damage to your home and its contents resulting from theft, fire or storms, as well as liability for medical and legal costs if others are injured on your property.