If in a car accident and both party have uninsured motor do it combine to cover the injury person losses
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Jan 13, 2016
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Brown Deer, WI
Asked on 01/13/2016
If in a car accident and both party have uninsured motor do it combine to cover the injury person losses NULL
Answer given on January 13, 2016
If you were in an auto accident, the person who caused the accident would be responsible for repairs to the other car and if there were injuries, they would also be responsible for the injuries.If the liability limits for the responsible driver are not enough to cover the damages and injuries, then that insurance company will pay the limits of the policy. At that time, you can file a claim under your policy for the additional cost of injuries through your medical payments coverage, if you have that coverage, or you can file under the uninsured/underinsured coverage of your policy. If you had a passenger and your limits are not enough, then they can go to their insurance company for further coverage for injuries. However you cannot file a claim if the injuries and damages are fully covered by the responsible driver.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.