Uninsured Motorist Coverage
Are You Paying Too Much for Car Insurance?
“Do I need uninsured motorist coverage?” is an important question that you should ask your insurance company.
It is important to clarify all aspects before purchasing an insurance policy.
This article will help you find out the most important information on this topic to know what questions should be asked further.
What Is Uninsured Motorist Coverage?
Uninsured motorist coverage is protection that allows you to obtain coverage in case if you have an accident with a driver who has no liability insurance.
This type of insurance also helps you to obtain the full coverage if an at-fault driver’s liability insurance is too low to cover all the damage and medical expenses.
Is It Necessary to Purchase It?
It is required in 21 states of the USA and the District of Columbia, which means that you cannot avoid it if you wish to use your car.
If you do not live in these states requiring purchasing this type of insurance, you do not have to purchase it.
Anyway, you should note that in most states, drivers are required to have liability insurance coverage, but 1 in 8 drivers is uninsured.
So, if you live in these states not requiring purchasing the coverage, you should think about this option thoughtfully, because, in case of an accident, you may have to deal with big problems.
If an accident occurs, you may need to cover damage and medical expenses.
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If the other driver is underinsured or uninsured, you will not receive the full coverage.
Also, you should keep in mind that you may be traveling with somebody else, and if you can cover your own medical costs, your passenger will have lots of problems if he or she has no health insurance.
What Does It Cover?
Uninsured motorist coverage includes the following:
- Bodily injury. Thanks to this, you can obtain the needed amount of money to pay for your medical expenses that occur due to actions of an uninsured driver. In some states, this type of protection is also valid for your family member or passengers;
- Property damage. It allows you to get enough money to repair your auto after an accident caused by a driver without insurance. This type of protection is available only in some state.
In What States Are You Obligated to Purchase It?
The following are the states that require purchasing this type of insurance: District of Columbia, Connecticut, Kansas, Illinois, Maryland, Maine, Minnesota, Massachusetts, Nebraska, Missouri, New York, New Jersey, North Carolina, Rhode Island, North Dakota, Oregon, South Dakota, Vermont, South Carolina, West Virginia, Virginia, and Wisconsin.
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Uninsured motorist coverage is really something important that you should pay your attention to, and it is no wonder that it is required in 21 states.
If you need a reply to the question ‘Do I need uninsured motorist coverage,’ then it is ‘strongly recommended.’