Uninsured Motorist Clause
An 'Uninsured Motorist Clause' is a provision commonly found in United States automobile insurance policies that provides for a driver to receive damages for any injury he or she receives from an uninsured, negligent driver. The owner of the policy pays a premium to the insurance company to include this clause. Although not exclusive, this coverage is typically added to an automobile insurance policy. In the event of a qualifying accident, the insurance company pays the difference between what the uninsured driver can pay and what the injured driver would be entitled to as if the uninsured motorist had proper insurance.
It is mandatory for the insurance carrier to provide such coverage in some states, such as Pennsylvania, Illinois, Maryland, and New York.
Read more about Uninsured Motorist Clause: Who Is An Uninsured Motorist For The Purpose of An Uninsured Motorist Clause?, Litigating An Uninsured Motorist Claim
Famous quotes containing the word clause:
“Long ago I added to the true old adage of “What is everybody’s business is nobody’s business,” another clause which, I think, more than any other principle has served to influence my actions in life. That is, What is nobody’s business is my business.”
—Clara Barton (1821–1912)