Question

which or the following is true about coverage for property damage under uninsure and unidentified Coverage?In all jurisdictions, you can collect:

-Up to at least$ 25000 if the at-fault driver is uninsured and identified

-Up to the minimum required liability limits in 3rd party Liability if the at-fault driver is uninsured and identified

-Up to at least $25000 if the at - fault driver is unidentified

- Up to the minimum required liability limits in 3 rd party liabliity if the at-fault driver is unidentified

Answer 1

• Claimed against property damage can be made up to the minimum required liability limits in 3rd party liabliity , whether or not any driver is discovered to be at fault. Minimum required liability limits vary from jurisdiction to jurisdiction e.g. Minimum property damage liability is $ 5000 per accident in California, Massachusetts, Pennysylvnia; $ 15000 in Utah and $ 25000 in most other states
• The victim may recover additional compensation in a lawsuit against any identified at-fault drivers.
• When the at-fault party in a car accident does not carry automobile liability insurance ( or is uninsured), then the victim can claim medical bills and property damage using uninsured motor coverage of own automobile insurance policy. Not all jurisdictions mandate uninsured motorist coverage. e.g. Texas, Ohio, Oklahama don't mandate uninsured motorist coverage.