What is Uninsured Motorist Insurance?

All states besides Florida require bodily injury liability insurance, and all states require property damage liability. That said, there are Pineville that are not insured. The Insurance Information Institute indeed found that, in 2017, 13% of motorists were uninsured. If you are hit by one of these uninsured drivers, uninsured motorist insurance can dramatically help you in the aftermath. Insurance is always one of the most important costs to consider when planning a vehicle purchase, and uninsured motorist insurance is a good facet of that to keep in mind.

How Uninsured Motorist Insurance Works

If you are in an accident, and are found not to be at fault, the next step is to get an accident claim filed with the insurance company of the at-fault motorist. This claim would cover medical bills, car repairs, and lost income, so out-of-pocket expenses are kept to the bare minimum, if there are any at all. This process is very different if you’re hit in Ewing by someone without coverage, though. 

If the driver is uninsured, you could very easily wind up having to pay for everything out of pocket, especially in the case of a hit-and-run. What is uninsured motorist insurance, then? Uninsured motorist insurance makes certain that you’re covered in such cases. 

What Does the Uninsured Motorist Coverage Cover Exactly? 

Uninsured and underinsured motorist coverage are very similar to regular liability coverage, but cover the cost when a driver isn’t appropriately insured. These are the two types of underinsured and uninsured motorist coverage: 

• Underinsured/Uninsured Motorist Property Damage Coverage (UMPD): Covers your vehicle’s damages caused by an uninsured or underinsured driver. 
• Underinsured/Uninsured Motorist Bodily Injury Coverage (UMBI): Covers medical expenses related to accident injuries, lost wages, your passengers, and permissive drivers. It also provides coverage for bodily injuries caused by the hit-and-run accident.

Get Answers to Questions About Insurance Coverage Today

Now that you know “What is uninsured motorist insurance?” and perhaps more importantly “What does the uninsured motorist coverage cover?”, consider what the best option is for you. Here at Redmond Chrysler Dodge Jeep Ram we offer many pieces of advice and services to Harrogate customers, such as our finder service for vehicles and our trade-in calculator, but we can also help match you with the right kind of insurance. Contact Redmond Chrysler Dodge Jeep Ram today for any questions you might have!