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What is Uninsured Motorist Coverage?

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GM Belt Assurance SystemEven though you take the right precautions and put together the best car insurance plan for your family, other drivers may not be so thoughtful.

What is uninsured motorist coverage?

What happens if an uninsured driver hits you or damages your property? Unfortunately, unless you have uninsured motorist coverage, you’ll be paying out of pocket for the damage they’ve caused. Uninsured motorist coverage will take care of any vehicle damage, medical bills for you and your passengers, and in some cases, damage to your property in the event a motorist is driving illegally and has no insurance.

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An uninsured motorist may not be someone who has no insurance; they might also be a driver whose insurance does not meet state-required minimum liability amounts, or whose insurance company is unwilling or unable to pay the claim. Uninsured motorist coverage will also cover under-insured drivers, meaning if your medical or repair bills exceed the person-at-fault’s insurance coverage, your uninsured motorist coverage would kick in.

Is uninsured motorist coverage required?

Uninsured motorist coverage is an add-on to your car insurance policy, and is not required in most states. While it seems unlikely that you’ll ever be in an accident with an uninsured motorist, consider that the Insurance Research Counsil estimated in 2011 that there were approximately one in seven drivers who were uninsured. Unfortunately, it does happen.

When deciding if uninsured motorist coverage is for you, think about the value of your car, the kind of medical insurance you have, and what, if any, disability your employer offers in the event you are too injured to work. Planning ahead is the best way to protect yourself and your family.

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Bob Dellecker, personal injury lawyer, helps us to explain uninsured motorist coverage in detail: