Cheap Insurance Young Drivers
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We were talking about in the previous posts how liability insurance is ever changing especially uninsured motorists coverage. This is a must read for those in search for cheap insurance young drivers.
HOW UNINSURED MOTORISTS COVERAGE WORKS
UM coverage was conceived as a partial solution to the problem created by drivers who would not or could not obtain liability insurance. It benefits those who are covered by a Personal Auto Policy under which the insured has purchased UM coverage. It does not benefit the uninsured motorist who is responsible for an accident.
In its 1990 decision Cynthia Kuda v. American Family Mutual Insurance Co., the Missouri Supreme Court considered the limits of liability that an insurance company must meet in uninsured motorists coverage.
Adolph Kuda bought automobile insurance for himself and his family, including his daughter Cynthia, from American Family. The policy contained provisions for injuries incurred as a result of negligence of an uninsured motorist. The policy also included medical expense coverage for Cynthia up to the amount of $2,000.
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Cynthia was injured in a collision with an uninsured motorist. As a result of the accident, Cynthia incurred medical expenses of more than $1,700. Cynthia and American Family settled for a payment in the amount of $5,500 under the uninsured motorists coverage. By handwritten provision, Cynthia agreed that:
A short time later, Cynthia sued American Family, seeking recovery of her $1,700 medical expenses under the medical payments coverage of the policy. American Family asked the trial court to dismiss Cynthia’s charges, based on a limitation of liability provision in the medical payments coverage. The company denied having agreed to Cynthia’s medical payments exclusion.
The trial court granted American Family’s request and dismissed the lawsuit. Kuda appealed. The Missouri Supreme Court acknowledged that the liability limit became an issue only when a policyholder was involved in an accident with an uninsured motorist. If Cynthia had been involved in a single car accident, the medical expense coverage would be available. Had she been involved in an accident with an insured motorist, American Family would pay the medical expenses.
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The high court acknowledged that “The limitation clause upon which American Family relies to deny medical pay coverage is ambiguous.” ,
Its conclusion: In order to establish a level of protection equivalent to the liability coverage a policyholder would have received if involved in an accident with an uninsured motorist, the insurance company had to pay medical expenses up front. Get cheap insurance young drivers rates by going here and securing the best possible price on your policy
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