Uninsured Motor Vehicle Includes All Of The Following Except?

Car Accident with an Uninsured Motorist What You Should Know from laws101.com

Introduction

Driving an uninsured motor vehicle is not only illegal but also financially risky. In case of an accident, you will be responsible for all the damages and injuries, which can be a huge burden. However, understanding what an uninsured motor vehicle includes and excludes can be confusing. In this article, we will break down the components of an uninsured motor vehicle and what they don't include.

What is an Uninsured Motor Vehicle?

An uninsured motor vehicle is any vehicle that does not have liability insurance coverage. This means that if you are involved in an accident and you are at fault, you will be responsible for all the damages and injuries, including those of the other driver, passengers, and any property damage. In some states, uninsured motorist coverage is mandatory, which means that you will be required to purchase it along with your liability insurance.

What Does an Uninsured Motor Vehicle Include?

An uninsured motor vehicle includes the following:

Component	Description	Price (2021)
Car	A four-wheeled motor vehicle	$20,000
Truck	A motor vehicle designed to transport cargo or goods	$30,000
Motorcycle	A two-wheeled or three-wheeled motor vehicle	$10,000
Boat	A watercraft used for leisure or transportation	$50,000

What Does an Uninsured Motor Vehicle Exclude?

An uninsured motor vehicle does not include the following:

1. Personal Injury Protection (PIP)

Personal Injury Protection (PIP) is a type of insurance that covers medical expenses, lost wages, and other damages in case of an accident, regardless of who is at fault. PIP is not included in an uninsured motor vehicle, which means that you will have to pay for these expenses out of pocket.

2. Collision Coverage

Collision coverage is a type of insurance that covers damages to your vehicle in case of an accident, regardless of who is at fault. Collision coverage is not included in an uninsured motor vehicle, which means that you will have to pay for the repairs out of pocket.

3. Comprehensive Coverage

Comprehensive coverage is a type of insurance that covers damages to your vehicle caused by events other than accidents, such as theft, vandalism, or natural disasters. Comprehensive coverage is not included in an uninsured motor vehicle, which means that you will have to pay for the damages out of pocket.

4. Uninsured Motorist Coverage

Uninsured Motorist Coverage is a type of insurance that covers damages and injuries caused by an uninsured or underinsured driver. Uninsured Motorist Coverage is not included in an uninsured motor vehicle, which means that you will have to pay for the damages and injuries out of pocket.

Recommendations

Driving an uninsured motor vehicle is not worth the risk. In case of an accident, you will be responsible for all the damages and injuries, which can be a huge financial burden. Therefore, we recommend that you purchase liability insurance, uninsured motorist coverage, and other types of coverage that are appropriate for your vehicle and your needs. It is also important to shop around and compare prices and coverage options from different insurance companies to find the best deal. Remember, it is better to be safe than sorry.

Conclusion

In conclusion, an uninsured motor vehicle includes all types of vehicles that do not have liability insurance coverage. It does not include personal injury protection, collision coverage, comprehensive coverage, and uninsured motorist coverage. To avoid financial risk and ensure that you are protected in case of an accident, it is recommended that you purchase the appropriate insurance coverage for your vehicle and your needs.