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LSDefine

Simple English definitions for legal terms

uninsured motorist clause

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A quick definition of uninsured motorist clause:

Uninsured motorist clause: This is a part of some car insurance policies that helps you if you get into an accident with someone who doesn't have car insurance and it's their fault. It can help pay for injuries to you and your passengers. Some states require this coverage, but not all policies have it. It's important to check your policy to see if you have it.

A more thorough explanation:

Definition: Uninsured motorist clause is a part of some car insurance policies that provides coverage for bodily injuries of the driver and their passengers if the other driver did not have car insurance and was at fault.

For example, if you are in a car accident and the other driver is at fault but does not have car insurance, your uninsured motorist clause will cover your medical expenses and those of your passengers.

Not every car insurance policy has this clause, but uninsured motorist coverage is required in 20 states and the District of Columbia. Other states require the policy to be offered or require the policyholder to opt out of the coverage. Usually, these clauses provide general coverage up to a certain limit per accident and per person like other car insurance.

An uninsured motorist clause may refer to coverage for damage to the vehicle instead of bodily injuries. Many policies will have coverage of both, but they are separate. Usually, a clause that covers damage to the vehicle will be referred to as an uninsured motorist property damage clause.

For example, if you are in a car accident and the other driver is at fault but does not have car insurance, your uninsured motorist property damage clause will cover the cost of repairing or replacing your vehicle.

Overall, uninsured motorist clauses are important to have in your car insurance policy to protect yourself and your passengers in case of an accident with an uninsured driver.

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MIAMI A
[] AromaticTroubledDormouse
20:55
How does one know if they are UR1 or UR2?
[] AromaticTroubledDormouse
20:56
CONGRATS MACAQUE!
TY
got a random stanford email and almost had a heart attack
ALSO CONGRATS!
Congrats1!
21:15
Miami A, yall I'm so excited I could cry.
21:15
Feel like I can finally stop holding my breath!! Whew!!!
[] baddestbunny
22:16
every time I get accosted by a strange man who follows me around because my male coworkers were too busy talking to walk me back to my car I get closer to saying we need to bring back traditional gender roles
Dkk
22:32
Nice! @Macaque
Dkk
22:32
@Aromatic, Have to guess.
Dkk
22:33
That sucks @Bunny do you have to go to the hospital?
[] baddestbunny
22:40
I said accosted not assaulted
23:35
guys. my notre dame address just went long is this good or bad
1a2b3c4d26z
23:37
Oooooo me too
23:37
omg is this good or bad
Dkk
23:47
Idk if gender roles are gunna fix that then.
23:49
it looks like most people who applied in october last cycle didn't get a decision until january... does it even mean anything that our addresses went long??
hows ED 2 compared to ED 1?
Dkk
0:10
No idea
windyMagician
0:34
reporting live to say my ndls address also went long
does it mean anything ^
Dkk
2:21
NDLS and Fordham took a very long time last year. It's good info for people to know.
[] baddestbunny
4:29
let’s get after it boys and girls
Dkk
5:21
I gtg to bed soon.
Dkk
5:22
Big day today. Gunna be a crazy one. I will sleep through the first half.
good morning lsd it is 5 am EST
also jazzy my ndls address went long ages ago i sadly do not think it means anything
my stanford address also went long LOL i think at most it's an indicator it's under review
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