Can I Get Good Car Insurance If I'm Under 25?
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What Is Uninsured Motorist Coverage?

Uninsured motorist coverage is a part of car insurance policies that assists in paying for the medical costs and/or car repairs when you’re in a collision by a driver that does not have car insurance.

Usually, when you are in a collision and it’s the other driver’s fault, their auto liability coverage would assist in paying the medical costs and/or car repairs. However, when the motorist at fault does not have car insurance, you might have to pay out pocket for those costs.

What Exactly Is Underinsured Motorist Coverage?

Underinsured motorist coverage is a safeguard that assists in paying for the costs when you get in a collision by an underinsured motorist. In many states, uninsured and/or underinsured motorist coverages are packaged with each other and provide a singular safeguard on the vehicle’s insurance policy.

What is the definition of “underinsured”? It all depends on your location. Each state interprets “underinsured” a little differently. Underinsured drivers carry auto liability insurance but their

  • liability restrictions are equal or less than the underinsured motorist coverage restrictions, or
  • liability restrictions are not sufficient to cover the costs following a collision

Is Uninsured Motorist Coverage A Requirement?

Depending on your location, uninsured motorist coverage might a law requirement. Motorists in a lot of states are legally required to carry automotive liability insurance coverage. Nevertheless, 1 in 8 drivers on U.S. roadways are uninsured, as reported by the Insurance Research Council. So, it might be a good idea to think about uninsured motorist coverage, even when it isn’t required where you live.

What Is Typically Covered In Uninsured Motorist Insurance?

Uninsured motorist coverage can offer 2 types of protection:

  • Uninsured motorist property damage coverages, assist in paying for care repairs following a collison brought on by an uninsured motorist. These coverages aren’t available in every state.
  • Uninsured motorist bodily injury coverages can assist in paying for the medical costs as a result of a collision brought on by an uninsured motorist. In many states, protection can carry on to a member of your family that is driving your vehicle, or to your occupants.

Underinsured motorist coverage offers 1 type of protection:

  • Underinsured motorist bodily injury coverages assist in paying for the medical costs when an underinsured motorist hits you.

Is Underinsured Motorist Coverage A Requirement?

Underinsured motorist coverage is a voluntary protection in a lot of states.

Do I Need Uninsured Motorist Coverage When It Isn’t Required?

You might question if you are required to carry uninsured motorist coverage if it isn’t required in the state you live in. Whereas a minimal amount of car insurance is mandatory in just about every state, there are still a lot of motorists on the roads that don’t have car insurance or who carry policies that wouldn’t cover all of the expenses associated with an accident. If you file a claim following an accident caused by one of those types of drivers, you might still end up paying on your own if the at fault driver doesn’t carry sufficient insurance to cover your disrepair vehicle or medical costs. Uninsured motorist coverage was created to help safeguard you against situations like this, so it might be worth thinking about even if it isn’t a legal requirement.

Do I Need Uninsured Motorist Coverage If I Carry Collision Insurance?

Collision insurance assists in covering the expense of repairing or replacing your car or truck when it’s in need of repair because of a collision. It doesn’t cover the expenses of any medical costs for you or your passengers that are a result of a collision. So, if you get in a collision with an uninsured or underinsured motorist, you could be paying for those medical bills on your own. Uninsured and/ or underinsured motorist bodily injury coverage may assist with medical costs as the result of a collision.

Uninsured motorist property damage coverage may also assist in paying for vehicle repairs if it gets damaged in a collision because of an uninsured motorist. In a lot of states in which these coverages are offered, it works together alongside collision coverage; uninsured motorist property damage coverage frequently compensates customers the expense of their collision deductible.

It’s essential to comprehend the way in which uninsured and underinsured motorist coverages function where you reside. From there you can choose coverage limits that can assist you if you are in a collision.

So, whereas you might have collision insurance, you might want to check if your insurance company provides uninsured and underinsured motorist coverage too. Nevertheless, just know that many states don’t permit collision insurance and uninsured motorist property damage coverage bundled together.

Do you need assistance finding out what is required by your state? Speak with a local insurance agent about uninsured and underinsured motorist coverages.

Auto Insurance Quotes

From offering liability protection to you and your family to helping you get reimbursed for personal property damage, auto insurance provides many types of coverage. Learn more about Auto Insurance Coverage or get a free auto insurance quote from Klimes Insurance today.

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