Auto Accidents
| Business Use Exclusion in Motorist Insurance |
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| Some motorist insurance policies exclude coverage for injuries and damages if they occur while a vehicle is being used for a business purpose. For example, if a driver is using his or her personal van to make deliveries for the driver's home-based business and causes a collision with another vehicle, the driver's insurance company would refuse to pay for the damage caused to the other vehicle and for any injuries to those riding in it. In effect, the exclusion causes a vehicle to drive in and out of insurance coverage depending on its driver's particular mission. More... |
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| Underinsured/Uninsured Motorists Mandatory Coverage |
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| Requirements for providing or offering underinsured motorist coverage and uninsured motorist coverage are not uniform. In some states, it is mandatory for insurers to provide a specified amount of underinsured motorist and uninsured motorist coverage; the amounts that are specified may coincide with the minimum required liability insurance coverage in the state. In other states, insurers are merely required to make such coverage available to the purchasers of auto insurance policies. In yet other states, the subject of underinsured motorist and uninsured motorist coverage is considered to be a voluntary matter between the insurer and the insured. More... |
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| Cancellation of Auto Insurance for Acquisition of New Policy |
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| If an insured acquires a new policy covering an already insured vehicle, the original insurer will have an incentive to cancel its own policy to limit its exposure and avoid having to pay a "windfall" recovery in the event that an occurrence calling for payment under the policy should take place. More... |
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| Setoffs and Uninsured Motorist Insurance Policies |
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| Some state statutes allow uninsured motorist insurance companies to setoff amounts that an insured received from workers compensation, Social Security, and settlements with a liability insurance company. Therefore, if an insured were injured in a car accident while driving in the course of his or her employment, the insurance company could offset the uninsured motorist benefits in the full amount of the insured's workers compensation judgment. More... |
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| Liability of Car Distributor/Manufacturer in Automobile Accident Cases |
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| When an automobile accident occurs, there can be many causes. Some causes can make a car distributor or manufacturer liable for the injuries and damages in an automobile accident case. For instance, a manufacturer can be liable for damages caused by its failure to exercise reasonable care in the design of an automobile. More... |
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