What is Uninsured Motorist Insurance?

You may think you have sufficient coverage if you have liability insurance along with your collision and comprehensive. You may even have selected medical coverage for your passengers. Choosing those policies was a good decision but what if someone else is at fault and they have no insurance or the bare minimum liability and your losses exceed the limits of their coverage?

Uninsured Motorist (UM) coverage will pay your medical bills and possibly your vehicle loss if the driver at fault doesn’t have liability car insurance. In most states, it’s a criminal offense not to carry liability insurance but that doesn’t stop people from driving without it. If you’ve purchased UM insurance it will pay your medical bills, up to its limit, in that case or if you’re the victim of a hit and run collision. Some go as far as paying for your trip to the nail center to repair your french manicure! It may also cover lost wages, pain, suffering, disfigurement, emotional distress, loss of future earnings.

If a driver isn’t carrying liability insurance, chances are they don’t have enough assets to make it worth your while to try to recover your damages with a court judgment. That’s where your UM coverage can save the day. While most states have criminal penalties for not carrying sufficient auto insurance, that doesn’t help cover your losses or your medical expenses.

It’s always good to know every contingency your policy covers. UM insurance adds only a small extra expense to your premium but having it is invaluable if you’re the victim of an uninsured driver or a hit and run collision.