Auto Insurance Questions & Answers
What Will Uninsured Motorist Auto Insurance Cover in the Event of an Accident?
Uninsured motorist insurance is not often well understood. Does it protect you in the event of an accident? Or does it protect your car? Understanding the scope of uninsured motorist insurance will allow you to decide if you need this coverage and what type of coverage it can really give you.
Uninsured motorist body liability auto insurance
The first type of uninsured motorist coverage that you can purchase is body liability coverage. This auto insurance coverage provides protection for the insured and for passengers when bodily injuries, certain damages, or even death occur in an accident that is the fault of a driver without insurance, or a driver who committed a hit-and-run. This kind of coverage will pay for medical bills up to your policy limits.
Uninsured motorist property damage auto insurance
This second type of auto insurance coverage is only offered in a limited number of states. It is meant to help pay for expenses incurred when your vehicle is damaged by a driver without insurance. There will be clearly defined limits to how much this type of coverage will pay out, but the actual amount will depend upon your insurance company and your state.
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If you already have a policy that gives you collision coverage, then the uninsured motorist property damage coverage will behave differently. It will serve to pay for your deductible and then your collision coverage will take over. This rule applies in many states, but should still be checked on a state by state basis.
Uninsured motorist insurance can protect your or your vehicle or, if you purchase both types, it can protect both. Unfortunately, there are uninsured motorists out on the road – according to the Insurance Information Institute, 1 in every 6 drivers has no insurance. Uninsured motorist insurance was created with this knowledge to protect you from the financial repercussions of bad luck.