Uninsured Motorist Auto Insurance

When you purchase uninsured motorist coverage, you protect yourself against motorists who don't have insurance –  or worse, those who hit-and-run – making it difficult to identify the motorist or track them down. Uninsured motorist auto insurance protects you, a designated driver, and/ or any family members. Many motorists choose not to carry insurance, even in states that require minimum coverage. In fact, nationally 1 in every 6 drivers in 2010 is expected to be driving uninsured.

If you collide with an uninsured motorist, you have to be prepared to pay for damages to your car, as well as any bodily injuries you may suffer. This can be costly without uninsured motorist coverage.

Uninsured motorist coverage vs. health insurance

Your health insurance will cover you in the event of an accident. However, it may not be worth it financially to pay a high health insurance deductible. Rather, if you have uninsured motorist coverage and a lower deductible, your car insurance company can pay for your medical bills first.

In some cases, it may be all you need without it being necessary for your health insurance to come into play. Also, uninsured motorist coverage will pay for expenses that your health insurance won't, such as loss of pay or pain and suffering. The only other way to recoup those costs would be to sue the other motorist, which can be difficult, especially if the collision was a hit-and-run.

Uninsured motorist coverage vs. property damages

Uninsured motorist coverage does not usually cover damages to your property. Your options for making sure that you'll have insurance to pay for repairs or the replacement of your vehicle may include comprehensive auto insurance or collision auto insurance. You might also consider the purchase of uninsured motorist property damage, which is specifically designed to protect your car and belongings from uninsured motorists.

Request a free quote for Uninsured Motorist auto insurance today!