What is uninsured motorist coverage?

What is uninsured motorist coverage?

While drivers in most states are legally required to have auto insurance, some people choose bare-bones policies or simply drive without any coverage.

If you get into an accident with one of those drivers, they might not have the means to cover any potential repairs to your car and medical bills. This is where uninsured motorist coverage enters the picture.

1. How does uninsured motorist coverage work?
   This type of coverage kicks in if you’re in an accident with a driver who doesn’t have auto insurance. Instead of having to pay for repairs and medical bills yourself, you can file a claim.

   You may also be able to get an underinsured motorist policy, which helps to cover claims involving a driver who has auto insurance with very low coverage limits. Uninsured and underinsured motorist coverage might be bundled, but they could be offered separately.

2. What does it cover?
   When a driver without insurance hits you, your uninsured motorist policy should cover repairs for damage to your car and for medical bills of those in the vehicle. This type of coverage may also come into play if you are the victim of a hit-and-run collision.
3. Is uninsured motorist coverage required?
   Uninsured motorist coverage is required in several states. If you want to discuss specifics, get in touch.
4. How does this kind of coverage overlap with health insurance?
   Your health insurance may handle your medical bills if you are in a car accident, but some types of health insurance policies have rules around coverage for injuries that occur in a car accident.

   The same consideration applies to passengers in your vehicle: Uninsured motorist coverage will likely help cover their medical expenses.

   Your health insurance probably has a deductible, while uninsured motorist coverage may not.

Do you have more questions about auto or other insurance coverage? Reach out for answers.