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Topic: Motorist

	Driving - Wikipedia, the free encyclopedia
		Motorists are almost universally required to take lessons with an approved instructor and pass a driving test before being granted a license.
		For example, in Australia, novice drivers are required to carry "P" ("provisional") plates, and are subject to lower speed limits, alcohol limits, and other restrictions for their first two years of driving.
		The minimum age required to be a motorist varies depending on the country.
	en.wikipedia.org /wiki/Motorist (942 words)

	[No title]
		For example, when the uninsured motorist is a hit-and-run driver and there is hit-and-run coverage, it may be necessary to instruct the jury that to hold the insurer liable they must find actual physical contact between the hit-and-run driver's vehicle and the vehicle in which the plaintiff was riding (or the person of the plaintiff).
		This instruction is intended to clarify for the jury the basic framework in uninsured motorist cases by identifying the elements of (1) damages, (2) fault of the uninsured motorist, (3) the existence of a policy containing uninsured motorist coverage, and (4) the fact that the motorist and vehicle were uninsured.
		For purposes of an uninsured/underinsured motorist coverage provision defining the insured as a person "occupying" the vehicle, a pedestrian struck by the vehicle was not, by virtue of that brief contact with the vehicle, "occupying" it.
	courts.state.ar.us /ami/2003/uninsured_motorist.htm (1166 words)

	[No title]
		This instruction is intended to clarify for the jury the basic framework in underinsured motorist cases by identifying the elements of (1) damages, (2) fault on the part the underinsured motorist, (3) the existence of a policy containing underinsured motorist coverage, and (4) the fact that the motorist was underinsured.
		Thus, the obligation to pay underinsured motorist benefits does not arise until it is established that the tortfeasor was indeed underinsured, a determination which "necessarily entails knowing the extent of the insured's damages and the liability benefits that have been paid by the tortfeasor's carrier." Hartford Ins.
		Stacking of underinsured motorist coverage is not prohibited by the statute but may be precluded by an applicable anti-stacking clause in the policy, and the court has upheld such exclusions.
	courts.state.ar.us /ami/2003/underinsured_motorist.htm (1352 words)

	Hinshaw & Culbertson \| Resource Center \| Uninsured and Underinsured Motorist Update
		By requiring uninsured motorist coverage, the legislature intended is to protect insureds who are injured as a result of the tortious act of a motorist operating an uninsured motor vehicle.
		Where coverage under an employer's uninsured motorist policy derived solely from an employee's status as an occupant, the employee and his wife were not entitled to stack uninsured motorist coverage on each vehicle in employer's fleet.
		Notice requirements of uninsured motorist policies are not void as against public policy and insureds will not be excused from compliance absent a showing as to why they should be excused or that they had substantially complied and insurer is not prejudiced by the delay.
	www.hinshawlaw.com /ArticlesPublications/uninsured.cfm (5368 words)

	79573 -- Jones v. Automobile Club Inter-Insurance Exchange -- Gernon -- Kansas Court of Appeals
		Underinsured motorist coverage is intended to provide compensation for innocent persons suffering damages as a result of the wrongful conduct of negligent motorists who cannot be made to respond in damages and whose insurance is insufficient to pay the damages.
		Uninsured and underinsured motorist statutes should be liberally construed to provide broad protection to the insured against all damages resulting from injuries sustained by the insured that were caused by an automobile accident and arose out of the ownership, maintenance, or use of the insured motor vehicle.
		As remedial legislation, the uninsured and underinsured motorist statutes should be liberally construed to provide broad protection to the insured against all damages resulting from injuries sustained by the insured that were caused by an automobile accident and arose out of the ownership, maintenance, or use of the insured motor vehicle.
	www.kscourts.org /kscases/ctapp/1999/19990611/79573.htm (1107 words)

	National Bicycle Safety Conference, Motorist criticism
		However, his recommendation is exactly the opposite, in that he wants to teach motorists that cyclists are incapable of operating by the rules of the road for drivers of vehicles.
		However, his recommendation states that motorists shall be held responsible in liability for car-bike collisions, because the bicyclist is legally presumed to be allowed to operate incompetently.
		The immediate demand of motorists faced with such liabilities is that bicyclists be prohibited from using the roads and causing motorists to be held liable for the bicyclists' incompetent and unlawful operating actions.
	www.johnforester.com /Articles/Safety/NatBSMotorists.htm (2369 words)

	Uninsured Motorist Lawyer Philadelphia Pennsylvania
		Uninsured motorist coverage is coverage you purchase from your own insurance company, which pays for bodily injury losses to you and your passengers as a result of an accident with a driver who is legally responsible for the injuries, but has no liability coverage.
		Underinsured motorist coverage pays for bodily injury damages to a policyholder and/or his or her passengers as a result of an accident with an at-fault driver who has liability insurance, but with limits that are lower than the injured party's underinsured motorist limits.
		Uninsured motorist coverage was not developed until the 1950's, but by 1984, although it was optional in 30 states, nearly all purchasers of auto insurance chose to purchase this type of coverage.
	www.myphillylawyer.com /CM/FSDP/PracticePage/Personal-Injury/Uninsured-Motorists.asp (2132 words)

	Smart Motorist - Dealing With Bicyclists On the Road (Site not responding. Last check: 2007-11-01)
		As the motorist approached, the bike operator sweved left onto the roadway in front of the car and was killed.
		In a 1987 Ohio case a motorist argued that he lost the cyclist "in the sun" while passing The jury, for some unknown reason, found the cyclist to be 20% negligent when the motorist struck the cyclist.
		The court determined that the motorists argument was not a legal excuse to hit the cyclist and found that the jury made a mistake when assigning any blame for the accident to the cyclist.
	www.smartmotorist.com /bic/bic.htm (1544 words)

	[No title] (Site not responding. Last check: 2007-11-01)
		It's true that if you are in an accident that's the uninsured motorist's fault, your health insurance coverage will generally pay for your health care and medical bills related to a car accident — which can easily total tens of thousands of dollars if you have a hospital stay.
		It typically comes with underinsured motorist (UIM) coverage, which covers you if you are in an accident where the other driver is at fault and insured, but his liability coverage won't pay for all of your damages.
		The insurer must confirm that the other motorist is indeed uninsured or underinsured and that he or she is at fault before it can write you a check for compensation.
	www.insure.com /auto/uninsured.html (1255 words)

	Insured Motorist Coverage -Insurance Law Attorney Tillitt McCarten Johnson & Haseman Ltd Alexandria Minnesota Lawyer
		Uninsured motorist coverage protects drivers from individuals who do not have any insurance on their cars to pay claims for property damage and bodily injuries.
		Underinsured motorist coverage pays the difference when the at-fault driver's insurance is insufficient to compensate the accident victim for the injuries suffered in an accident.
		To understand the distinctions between uninsured and underinsured motorist coverage, you must first be generally familiar with the subject of car insurance as a whole.
	www.tillittmccarten.com /articles.htm (1113 words)

	Advice to a Motorist: How to Pass a Cyclist
		What a motorist should do when approaching a cyclist, the fear of being late, why cyclists don't get off the road, and how motorists are most likely to kill legal cyclists.
		Plus, motorists have gotten conditioned by horn blasts and tailgaters to be afraid of traveling under the speed limit.
		Many motorists drive around curves and over hills at full speed without a thought as to who or what could be on the other side of the hill.
	www.kenkifer.com /bikepages/traffic/motorist.htm (2438 words)

	Cyclist Errors Which Cause Automobile-Bicycle Collisions, Illustrated
		They are generally caused by the motorist; however, the cyclist can contribute by traveling in the wrong direction on the sidewalk or street, as the motorist does not scan in that direction.
		A motorist is pulling out of a driveway and fails to see a cyclist traveling the wrong way on a sidewalk because the motorist is looking for vehicles coming from the correct direction.
		Usually, these accidents are the fault of the motorist, as the turning vehicle must yield to vehicles traveling straight; however, in five of these kinds of collisions, the cyclist was on a sidewalk, passing on the wrong side, or traveling the wrong way.
	www.kenkifer.com /bikepages/traffic/car-bike.htm (2915 words)

	Employment Motorist Insurance (Site not responding. Last check: 2007-11-01)
		motorist coverage is just as important to you as liability insurance coverage...
		Uninsured/Underinsured Motorist Insurance Disputes and Uninsured Motorist Insurance Disputes in the State of New York...
		She concluded, "[t]he former uninsured motorist insurance policy of $50,000 was a benefit covered by the...
	www.best-insurance-companies.com /OPG/employment-motorist-insurance.html (907 words)

	Uninsured Motorist Coverage
		Determination as to whether the insured, the insured's heirs or the insured's legal representative is legally entitled to recover such damages, and if so, the amount thereof, shall be made by agreement between the insured and the insurer, or, in the event of disagreement, by arbitration.
		At the election of the insured, such arbitration shall be held: (a) In the county and state of residence of the insured; (b) In the, county, and, state where the insured's cause of action against the uninsured motorist arose; or (c) At any other, place mutually agreed upon by the insured and the insurer.;
		If the insured elects to receive payment from the insurer under this coverage, then the insured shall hold in trust for the benefit of the insurer all rights of recovery the insured shall have against any other person, firm or organization because of the damages which are the subject of claim made under this.
	www.stc-law.com /uninsured_motorist_cov.htm (1224 words)

	Dreamgirl and the Motorist Home Page (Site not responding. Last check: 2007-11-01)
		Now on those dark secluded nights, she can be seen in snippets of hazy white...Dancing in fields of misty light...alluring motorists with her devilish delight...
		Dreamgirl and the Motorist are playing another live show at Succulent Things to Eat and Grow Cafe, 223 King Street, Newtown on Friday, 10th February, 2006 at 7.30pm.
		Dreamgirl and the Motorist are playing a small gig for the opening of Debz art exhibition at Sumdam Cafe in Gladstone Avenue Wollongong on 29th October 2005, 6.30pm.
	www.themotorists.com (897 words)

	FILING AN UNINSURED/UNDERINSURED MOTORIST CLAIM (Site not responding. Last check: 2007-11-01)
		Underinsured Motorist coverage is the term used when the other vehicle's policy limit is inadequate to pay for all your damages.
		In order to file an Uninsured Motorist claim for property damage you must identify the vehicle and be able to demonstrate that the vehicle was either not insured under a policy of insurance or that there was no coverage provided under a policy of insurance at the time of the loss.
		If the insurance company does not intend to provide coverage for a loss based on their policyholder’s unwillingness to cooperate, which is a violation of the conditions of the policy, the vehicle and driver are considered to be uninsured for this accident.
	www.state.nj.us /dobi/wysk3.htm (1789 words)

	Motorist Assist
		The Motorist Assist program began operations in both Kansas City and St. Louis in 1993 and is going strong today.
		In the event that Motorist Assist operator is unable to get the vehicle free and clear from the driving lanes and shoulder, a cellular phone is provided to the motorist to call for a tow truck.
		Today, Motorist Assist is an essential part of incident management in both Kansas City and St. Louis on the interstate highways.
	www.modot.org /services/travel/Motorist_Assist.htm (275 words)

	Insure.com - P&C - New legislation says Ohio insurers don't have to offer uninsured motorist coverage
		Ohio's governer has signed into law a bill that does away with mandatory uninsured and underinsured motorist coverage (UM/UIM) and reduces the amount of time policyholders have to make a claim on their UM/UIM policies from 15 years to three years.
		In addition, the new law prohibits "stacking" of UM/UIM coverage, which is when policyholders make claims on more than one UM/UIM policy in order to recoup the full cost of their injuries.
		The Pontzer decision allowed the wife of Christopher Pontzer, who was killed by an uninsured motorist while driving his own vehicle, to collect damages from the UM/UIM policy of his employer.
	info.insure.com /pro/pc/uninsuredmotorists801.cfm (355 words)

	Relating to motor vehicle liability insurance; creating new provisions; and amending ORS 742.502.
		Permits recovery under insured's uninsured motorist coverage when insured's uninsured motorist coverage limits equal liability coverage limits of person at fault for bodily injury or death and insured recovers less than amount of insured's uninsured motorist coverage under applicable liability insurance policy.
		Underinsurance { - benefits - } { + coverage + } shall be equal to uninsured motorist coverage { - benefits - } less the amount recovered from other { - automobile - } { + motor vehicle + } liability insurance policies.
		The statement shall acknowledge that a named insured was offered uninsured motorist coverage with the limits equal to those for bodily injury liability.
	www.leg.state.or.us /05reg/measures/hb2200.dir/hb2271.intro.html (639 words)

	Part III - Uninsured Motorist
		We do not provide Uninsured Motorist Coverage for noneconomic loss sustained by any person to whom the limited tort alternative applies, resulting from bodily injury caused by an accident involving an uninsured motor vehicle unless the bodily injury sustained is a serious injury.
		If an uninsured motorist and an underinsured motorist are jointly liable for damages, no person shall be entitled to recover damages under both Part III and Part IV of this policy.
		The limit of liability shown in the Declarations for each person for Uninsured Motorist Coverage is our maximum limit of liability for all damages, including damages for care, loss of services, or death, arising out of bodily injury sustained by any one person in any one accident.
	www.maherassociates.com /csdemo/carpol/carpol3.htm (1621 words)

	Esurance Auto Insurance Glossary - U & V
		The amount covered by underinsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.
		The amount covered by underinsured motorist property damage is capped at the limit you choose when you buy your auto insurance policy.
		The amount covered by uninsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.
	www.esurance.com /auto_insurance_terms/U_V.asp (600 words)

	Gateway Guide's Motorist Assist and Emergency Response Program
		The Motorist Assist and Emergency Response patrols the St. Louis metro area interstates in search of lane obstructions caused by disabled vehicles, debris and car crashes.
		They also help provide a safer situation for a stalled motorists by providing a safe buffer with their truck and emergency flashing lights (give them some room if you approach them on the highway).
		If a motorists becomes stranded on an interstate highway patrolled by Motorist Assist, he or she is encouraged to pull as far off onto the right shoulder as possible and, if safe, wait with their vehicle for a Motorist Assist truck to arrive.
	www.modot.org /stlouis/links/motoristassist.htm (904 words)

	uninsured motorist coverage and Stock Trading at TradeStars + Stock Trading (Site not responding. Last check: 2007-11-01)
		I am concerned that describes the major problems and abuses in the uninsured motorist coverage industry and summarizes the legal actions brought to date.
		The NASDs release of July 29, 1999, describes a uninsured motorist coverage NASD rule proposal that was approved by the SEC on July 10, 2000.
		The total daily commissions that you pay on uninsured motorist coverage firm or someone else, you can lose more than the funds you originally placed at risk.
	www.tradestars.com /content/uninsured-motorist-coverage.asp (153 words)

	MO Court of Appeals Rules Severance of Tort, Uninsured Motorist Claims Was Abuse of Discretion
		A trial court's severance of tort and uninsured motorist claims arising from an auto accident was an abuse of discretion, the Missouri Court of Appeals held.
		Also, Bryan filed a contract claim against State Farm Insurance to recover the uninsured motorist benefits promised under their definition of a phantom driver, whom he claimed negligently made an unexpected stop or turn and caused the collision.
		Although the court would have been reluctant to reverse the case based on the prejudicial comments alone, it was errors in both the first and second points, when considered together, which required a reversal and remand for a new trial, Bates explained in a footnote.
	www.carinsurance.com /news/content1070.aspx (1136 words)

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