What Is Uninsured Motorist Coverage?

What Is Uninsured Motorist Coverage?

When it comes to auto insurance, we often focus on coverage that protects us in the event of accidents caused by others. However, what happens if you are involved in a collision with a driver who does not have insurance? This unfortunate situation can complicate your pursuit of damages. Thankfully, you can elect to have uninsured motorist coverage on your policy, which serves as a safety net when the other driver is uninsured. Let’s discuss uninsured coverage, its importance, and how it can provide much-needed compensation if you are in a significant car accident.

Uninsured Motorist Coverage

Uninsured coverage, or uninsured motorist (UM) coverage, is an optional component of auto insurance designed to protect you in an accident caused by a driver without insurance. It compensates you for medical expenses, property damage, and other losses that you experienced from the collision. Normally, you would file a claim against the other driver and their insurance company to get the funds needed to address your losses. In the event they do not have coverage, UM serves as a backup source of compensation.

The Importance of Uninsured Coverage

Being involved in a collision with an uninsured driver can have notable financial consequences for the innocent party involved in an accident. Without uninsured motorist coverage, you could be left responsible for paying your medical bills, repairing or replacing your vehicle, and other related expenses. By electing uninsured coverage, you can reduce these risks and ensure you have the necessary protection if that situation ever occurs. Uninsured coverage typically includes two main components:

Uninsured Bodily Injury Coverage: This component covers your medical expenses, rehabilitation costs, and lost wages resulting from the accident. It may also include compensation for pain and suffering caused by the collision.

Uninsured Property Damage Coverage: If your vehicle sustains damage in an accident with an uninsured driver, this coverage helps cover the cost of repairs or replacement of your vehicle or other damaged items of notable value.

Benefits of Electing Uninsured Coverage

Uninsured coverage acts as a safety net, safeguarding you from the potentially significant financial burdens of an accident caused by an uninsured driver. If it must be used, it might also be easier to secure the money than if you had to negotiate with the opposing driver’s insurance company. In addition, knowing you have uninsured coverage can provide you with some level of peace of mind while driving.

Talk to an Attorney About UM Coverage

Uninsured motorist coverage is a crucial component of auto insurance, especially if you live in a state with a high percentage of uninsured drivers. It provides financial protection and peace of mind if an accident does happen. By electing uninsured coverage, you can ensure that you have the necessary support to cover medical expenses, property damage, and other losses resulting from an accident.

Jan Dils, Attorneys at Law offers free consultations to drivers who were harmed in a car accident and need compensation.

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Jan Dils, Attorneys at Law

Jan Dils, Attorneys at Law