Auto Accidents
| Uninsured Motorists Insurance and Government Vehicles |
|
| After an automobile collision, many things can affect whether or not an injured person can recover his or her damages from the owner or driver of the vehicle that negligently caused his or her injuries. Among those factors is whether the vehicle was owned by a governmental entity, like a city or state. Often, governmental entities have immunity from suit by injured persons. In those cases, an injured person may seek to obtain insurance benefits under his or her insurance's uninsured motorist provision. Because the injured person is unable to sue the governmental entity, the vehicle may be considered uninsured for purposes of the insurance policy. More... |
|
|
| Personal Injury Protection under No-Fault Automobile Coverage |
|
| Personal injury protection ("PIP"), also known as ''no-fault benefits'' or first-party benefits, coverage is an extension of automobile insurance coverage. It pays, up to a certain amount, an insured's health care expenses and other damages, like lost wages and income continuation benefits, due to an automobile accident regardless of who was at fault. Several no-fault automobile insurance states require drivers to carry PIP coverage. In some states, insurance companies are required to offer PIP coverage. Insureds can then purchase it, if they choose. More... |
|
|
| Comprehensive Coverage |
|
| Cars and trucks can be damaged in a wide variety of ways and by a wide variety of instrumentalities, both while they are in operation and while they are parked and at rest. Comprehensive coverage under motor vehicle insurance policies has been devised in order to provide owners and operators of vehicles with protection against the risk that such damage to a vehicle will occur. More... |
|
|
| Assigned Risk Coverage |
|
| State assigned risk plans basically operate by creating a pool made up of those drivers who would otherwise not be able to obtain necessary insurance coverage and apportioning the responsibility for providing coverage on the members of that pool among the insurers who write motor vehicle policies in the state. As a consequence of the unique and higher-risk nature of the assigned risk business, state laws covering assigned risk plans often contain detailed provisions concerning application for, participation in, and termination of assigned risk coverage. More... |
|
|
| Cancellation of Auto Insurance for Misrepresentations in Application |
|
| While an insurer may sometimes cancel a policy for misrepresentations made during the application process, the insurer's right to do so may be limited by legal principles that take into consideration such things as the nature and extent of the misrepresentations made, the insurer's own diligence in determining the true facts of the situation, and the consequences for innocent third parties who have in effect placed their reliance on the insurer's action in issuing a policy whose issuance it has now come to regret. More... |
|
|