{"id":1213,"date":"2022-10-19T16:10:20","date_gmt":"2022-10-19T21:10:20","guid":{"rendered":"http:\/\/primero-insurance.three.zysites.com\/blog\/if-youre-in-an-accident-with-someone-who-doesnt-have-enough-or-any-insurance-you-may-end-up-pay\/"},"modified":"2024-02-06T08:06:32","modified_gmt":"2024-02-06T14:06:32","slug":"if-youre-in-an-accident-with-someone-who-doesnt-have-enough-or-any-insurance-you-may-end-up-pay","status":"publish","type":"post","link":"https:\/\/www.primeroinstx.com\/es\/blog\/if-youre-in-an-accident-with-someone-who-doesnt-have-enough-or-any-insurance-you-may-end-up-pay\/","title":{"rendered":"If you\u2019re in an accident with someone who doesn\u2019t have enough (or any) insurance, you may end up pay"},"content":{"rendered":"<p><span style=\"background-color: #ffffff; color: #676767;\">\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"background-color: #ffffff; color: #676767;\"><img decoding=\"async\" src=\"\/img\/~www.primeroinstx.com\/download%20(1).png\" alt=\"\" \/><\/span><\/p>\n<p><span style=\"background-color: #ffffff; color: #000000;\"><strong><span style=\"font-size: 13px;\">\u00a0<\/span><\/strong><\/span><\/p>\n<p><span style=\"background-color: #ffffff; color: #000000;\"><strong><span style=\"font-size: 13px;\">What is uninsured motorist coverage?<\/span><\/strong> <\/span><\/p>\n<p><span style=\"background-color: #ffffff; color: #676767;\">Uninsured motorist coverage helps pay for your injuries or damage to your vehicle if you\u2019re in an accident and the driver at fault doesn\u2019t have car insurance.<\/span><\/p>\n<p><span style=\"background-color: #ffffff; color: #000000;\"><strong><span style=\"font-size: 13px;\">\u00a0<\/span><\/strong><\/span><strong style=\"font-size: 10pt;\"><span style=\"font-size: 13px;\">What is underinsured motorist coverage?<\/span><\/strong><\/p>\n<p><span style=\"background-color: #ffffff; color: #676767;\">If the driver at fault in an accident has insurance but it\u2019s not enough to cover your medical bills or damage to your vehicle, underinsured motorist coverage can step in where the other insurance left off. <\/span><\/p>\n<p><span style=\"background-color: #ffffff; color: #676767;\">The difference between uninsured and underinsured motorist coverage <\/span><\/p>\n<p><span style=\"background-color: #ffffff; color: #676767;\">The fundamental difference between uninsured and underinsured motorist coverage is that uninsured covers you if you\u2019re hit by a driver with absolutely no insurance, while underinsured covers you if the at-fault driver\u2019s insurance cannot fully pay for your injuries or damage.<\/span><\/p>\n<p><span style=\"background-color: #ffffff; color: #676767;\">\u00a0<\/span><strong style=\"font-size: 10pt;\"><span style=\"font-size: 13px;\">Types of uninsured and underinsured motorist coverage<\/span><\/strong><\/p>\n<p><span style=\"background-color: #ffffff; color: #676767;\">Like your liability insurance policy, there are both bodily injury and property damage options for uninsured and underinsured coverage. <\/span><\/p>\n<ul>\n<li><span style=\"background-color: #ffffff; color: #676767;\">Uninsured motorist bodily injury: If a driver without insurance hits you and you suffer an injury, this type of coverage helps pay for your medical bills, income loss, pain and suffering, or funeral expenses. <\/span><\/li>\n<li><span style=\"background-color: #ffffff; color: #676767;\">Uninsured motorist property damage: If you\u2019re involved in an accident in which the at-fault driver doesn\u2019t have insurance, this helps cover the costs of damage to your vehicle. However, this coverage may not be available in all states.<\/span><\/li>\n<li><span style=\"background-color: #ffffff; color: #676767;\"> Underinsured motorist bodily injury: If a driver hits you and carries insufficient levels of coverage, this type of insurance helps cover your medical costs, income loss, pain and suffering, or funeral expenses that exceed the amount the other driver\u2019s insurance will pay. This coverage may not be available in all states. <\/span><\/li>\n<li><span style=\"background-color: #ffffff; color: #676767;\">Underinsured motorist property damage: If a driver with insufficient insurance crashes into you and your vehicle is damaged, this type of insurance helps cover the vehicle repair costs that exceed the at-fault driver\u2019s insurance policy payout. Like uninsured motorist property damage, this coverage may not be available in all states.<\/span><\/li>\n<\/ul>\n<p><span style=\"background-color: #ffffff; color: #000000;\"><strong><span style=\"font-size: 13px;\">State requirements for uninsured and underinsured motorist coverage<\/span><\/strong> <\/span><\/p>\n<p><span style=\"background-color: #ffffff; color: #676767;\">While uninsured and underinsured motorist coverages aren\u2019t generally required, it\u2019s a good idea to have both types of insurance. That way you won\u2019t have to worry about paying for damage or medical expenses on your own if you\u2019re in an accident where the at-fault driver doesn\u2019t have any or enough insurance. According to the Insurance Research Council, roughly 13 percent of motorists are uninsured, making uninsured and underinsured motorist coverages important to help further protect you from potential costs of an accident. <\/span><\/p>\n<p><span style=\"background-color: #ffffff; color: #000000;\"><strong><span style=\"font-size: 13px;\">Uninsured and underinsured motorist coverage stacking<\/span><\/strong> <\/span><\/p>\n<p><span style=\"background-color: #ffffff; color: #676767;\">You may be able to \u201cstack\u201d your uninsured and underinsured motorist bodily injury coverage if you have more than one insured vehicle and live in a state that allows stacking. Contact your insurance provider for more details and to find out if stacking is available to you. How does stacking work? Let\u2019s say you have three insured cars in your household and the limit your insurance will pay out for your uninsured or underinsured motorist coverage is $20,000 for each car. You can combine those limits in the event of an accident to increase your stacked limit to $60,000. If you\u2019re hit by an uninsured motorist and your medical bills amount to $55,000, you can combine or \u201cstack\u201d the insurance limits for each car you own to help cover the cost of your medical bills.<\/span><\/p>\n<p><span style=\"background-color: #ffffff; font-size: 13px; color: #000000;\"> <strong>Filing an uninsured or underinsured motorist claim<\/strong> <\/span><\/p>\n<p><span style=\"background-color: #ffffff; color: #676767;\">When you\u2019re hit by an uninsured driver, the solution is easy\u2014you file a claim with your auto insurance provider against your uninsured motorist policy. The process can be a bit more confusing when you\u2019re hit by a driver who has insurance, but just not enough. A good rule of thumb is to always report your injury to your insurance company and they can explain how your underinsured motorist coverage would apply.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0 \u00a0 What is uninsured motorist coverage? Uninsured motorist coverage helps pay for your injuries or damage to your vehicle [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":null,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1213","post","type-post","status-publish","format-standard","hentry","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.primeroinstx.com\/es\/wp-json\/wp\/v2\/posts\/1213","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.primeroinstx.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.primeroinstx.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.primeroinstx.com\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/www.primeroinstx.com\/es\/wp-json\/wp\/v2\/comments?post=1213"}],"version-history":[{"count":0,"href":"https:\/\/www.primeroinstx.com\/es\/wp-json\/wp\/v2\/posts\/1213\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.primeroinstx.com\/es\/wp-json\/wp\/v2\/media?parent=1213"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.primeroinstx.com\/es\/wp-json\/wp\/v2\/categories?post=1213"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.primeroinstx.com\/es\/wp-json\/wp\/v2\/tags?post=1213"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}