Who pays the medical bill if you are involved in an accident where the at fault party is uninsured and you don't have uninsured motorist coverage but you do have medical insurance?

Answer This is a great question. My husband was hit by a car while on his motorcycle last June. He DID NOT have uninsured motorist on his bike and the woman had no insurance at all, so unfortunately we co... Read More »

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Will your uninsured motorist coverage cover an accident from an at fault unlicensed uninsured driver?

Yes. The initial trigger for entitlement to uninsured motorist benefits is involvement and injury in a motor vehicle collision with an uninsured motorist. According to state law, there may be other... Read More »

If you have uninsured motorist insurance are in a accident and its you fault other driver has no insurance or drivers license can you get your car fixed if you only have liability insurance?

Answer As a broker, I can tell you NO, there is no coverage if you are at fault. Now if you are only partially at fault, example, 50%, and it's proven, there may be coverage under your carrier. I... Read More »

What should an uninsured person do to get medical insurance or assistance after a dirt bike accident which he still needs medical care and surgery resulting from that accident?

What are the definitions for liability insurance medical payments insurance uninsured motorist comprehensive and collision for auto insurance?

Answer Liability insurance: The coverage found on any auto policy that handles damage you cause to another person's property, either directly or indirectly with your car.Medical Payments Insurance:... Read More »