An uninsured motorist is a driver who operates a vehicle without liability insurance coverage. This term also includes individuals involved in hit-and-run accidents, where the driver leaves the scene without providing any identifying information. In such cases, the driver is considered uninsured for the purposes of insurance claims and protections.
The term "uninsured motorist" is commonly used in civil law, particularly in the context of auto insurance claims. It is relevant when a person is involved in an accident with a driver who lacks insurance coverage. Many states require insurance companies to offer uninsured motorist coverage, which protects insured drivers in these situations. Users can often manage their claims through forms and procedures available from resources like US Legal Forms.
Here are a couple of examples of abatement:
Example 1: A driver is involved in an accident where the other party flees the scene without providing any information. In this case, the victim may file a claim under their uninsured motorist coverage.
Example 2: A person is struck by a vehicle while walking, and the driver admits to not having insurance. The pedestrian can seek compensation through their own uninsured motorist policy. (hypothetical example)
| State | Uninsured Motorist Coverage Requirements |
|---|---|
| California | Mandatory uninsured motorist coverage must be offered. |
| Florida | Uninsured motorist coverage is optional but highly recommended. |
| New York | Uninsured motorist coverage is mandatory for all drivers. |
This is not a complete list. State laws vary and users should consult local rules for specific guidance.
| Term | Definition |
|---|---|
| Underinsured Motorist | A driver who has insurance, but not enough to cover the damages in an accident. |
| Liability Insurance | Insurance that covers damages to others in an accident caused by the insured driver. |
If you find yourself in an accident with an uninsured motorist, follow these steps:
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