Casualty Laws Flashcards
Uninsured motorist coverage with limits of
25,000/50,000
Uninsured motorist coverage must be included. What must be offered if insured does not have collision coverage
This covers what
If added what is the deductible
Uninsured motorist property damage coverage
Only damage to vehicle
250.00
Uninsured motorist coverage protects who
And when
Insured and any member of his her household. Protects passengers while they are entering , occupying, or alighting from the insured auto only
When hit by uninsured anywhere
Financial responsibility laws
Applies to all drivers in an accident where there is what?
Driver must submit what
Bodily injury or 1500 property damage
Accident report to the department of transportation safety responsibility section and provide evidence of financial responsibility for the injuries and damage incurred in the accident
SR-22 form
This form accompanied by a cert of coverage must be submitted by ins company to the IL Secretary of State if a person is involved in an accident without auto insurance
Employers must file workers comp plan with who
State workers comp commission
If employer fails to carry workers comp is subject to in fine
What can an employee do
Of 10,000
Sue in court common law employer loses all of his normal defense
Premium rate of workers comp based on 3 things
Occupational classification of employees
Employers payroll
EMR experience mod rate. Based on employers history of employee work accidents
Workers comp act covers 4 things
Medical benefits like rehab
Temp total disability benefits
Perm partial disability benefits
Survival benefits
Special state agency for workers comp
Workers comp commision
