Uninsured Motorists Benefits

Uninsured motorist coverage is required on all automobile insurance policies unless the benefit is specifically waived in writing by the insured. This is a provision which provides benefits to the occupants of the insured vehicle for personal injuries in the event that the owner and driver of another vehicle which caused a collision are uninsured. It is unwise to waive this provision. Although all vehicles and drivers are required to maintain liability coverage, unfortunately many vehicles are not covered by … Continued

Property Damage

Damage to a prized vehicle can be extremely upsetting as well as a major inconvenience. The law provides that a negligent party must pay for the cost of repair of the vehicle of an innocent party. If the cost of repairing the vehicle exceeds the fair market value of the vehicle, the wrongdoer is required to pay the fair market value of the vehicle taking into consideration the value of the vehicle immediately prior to the collision.. The innocent party … Continued

Medical Pay Benefits

Many automobile insurance policies provide for the payment of medical bills for injuries occurring to occupants of an insured vehicle regardless of the fault of the driver. This can provide a source of prompt payment for medical expenses arising as a result of a vehicle collision and does not prevent the injured party from proceeding with a claim against the wrongdoer. The injured party is therefore free to obtain the medical treatment needed from the health care provider of his … Continued