What is uninsured motorist coverage?

It is estimated that 1 out of every 7 drivers on the road in the United States are uninsured. In order to protect those who do have insurance, many states are now requiring uninsured motorist coverage in their car insurance policies to help with any costs that are associated with injuries that can be due to an accident. This a concerning because an accident with an uninsured driver can result in significant costs that are not covered by a basic liability insurance policy.

What is Uninsured Motorist Coverage?

In case of an accident, uninsured motorist coverage will cover you and your passengers for:

  • Medical expenses
  • Pain and suffering
  • Lost wages

Under this car insurance policy, you and your passengers will also be covered if you are the victims of a hit and run.

Uninsured Motorist Limits

It is important when you are considering your coverage to determine the desired amount of uninsured motorist coverage. Make sure you know about the limits and how these limits work.

  • Split Limit – this means that your insurance coverage will differ if there is only person versus if thee are multiple people injured in the accident. An example of split limit might be:
    • $15,000 for bodily injury or death, per person.
    • $30,000 for total bodily injury or death, per accident.
  • Combined single limit – this is one single amount that your insurance company will pay out for all bodily injury in an accident. ex. $30,000 for all injuries

If you have been injured in an accident, please contact us today!