Generally, most medical malpractice cases are tort actions based on the existence of a physician’s duty to a patient, a breach of that duty, and injury to the patient as a result of the breach. Most healthcare providers do not promise a cure nor guarantee the best possible result. However, an individual physician may open him or herself up to …
Overview of Underinsured/Uninsured Motorist Coverage
Because a substantial number of owners and operators of cars and trucks in the United States fail to maintain adequate insurance coverage or operate their vehicles without any insurance coverage at all, many motor vehicle insurance policies contain provisions for underinsured motorist coverage, sometimes abbreviated UIM, or uninsured motorist coverage, sometimes abbreviated UM. The intent of such provisions is to …
Coverage for Hit-and-Run Accidents
A typical hit-and-run accident is a collision between two vehicles, and one of them leaves the accident scene. However, there are other types of hit-and-run accidents. A hit-and-run accident may also involve chain reaction accidents, flying auto parts, auto debris on the road, and objects thrown or shot from other vehicles. The standard uninsured motorist endorsement requires an insured, who …
Cancellation of Auto Insurance for Acquisition of New Policy
Coverage under some types of insurance, such as life insurance, can be accumulated by an insured in what might be considered very large amounts without raising an insurer’s concern about the size of the award to be made upon the occurrence of the event that triggers the insurer’s payment obligation under the policy. A policy of motor vehicle insurance, in …