Uninsured Motorist Coverage of Auto Insurance

Uninsured motorist coverage is a type of auto insurance coverage that helps protect you financially if you’re injured or your car is damaged by an uninsured driver. It’s required in some states and optional in others, but it’s a good idea to buy it in any case.

In the U.S., the number of uninsured drivers is estimated to be around 13%. That means out of every 8 drivers you come across, there’s a good chance that one of them doesn’t have insurance. Even if you’re a safe driver, you may be involved in an accident with an uninsured motorist. If that happens, you’re stuck with the bill for the damages unless you have uninsured motorist coverage.

Uninsured motorist coverage is similar to liability insurance, which covers damages the other driver caused. However, uninsured motorist coverage helps you out if the other driver doesn’t have insurance. It covers medical expenses, property damage, and lost wages if you’re injured in an accident with an uninsured motorist.

It’s important to note that uninsured motorist coverage only covers damage caused by the other driver. It doesn’t cover damage you cause to yourself or your own vehicle. That’s why it’s important to have comprehensive coverage if you want to be protected against all kinds of damage.

When you’re shopping for auto insurance, you should consider adding uninsured motorist coverage to your policy. It’s typically an inexpensive addition, but it can make a huge difference if you’re ever in an accident with an uninsured driver.

Uninsured motorist coverage is an important part of any auto insurance policy. It helps protect you financially if you’re injured or your car is damaged by an uninsured driver. It’s typically inexpensive to add to your policy, so it’s a good idea to consider it if you’re shopping for auto insurance.