Who Should Buy Uninsured Motorist Car Insurance?


It’s a nice and beautiful summer day and you are out for a drive through the city. You have the windows down to allow the natural and soothing breeze to caress your face and run through your hair and scalp. Your favorite jams are playing and everything seems so relaxing. Along the way you cautiously approach an intersection, once it is your chance to continue on your peaceful journey, you go to make a left turn and notice that another driver is also turning but they stop in a way that is unavoidable. Next thing you know, you’re in an accident.

 After getting out to make sure they are okay you find them injured. The police arrive and you are finally able to exchange insurance information only to find out that the driver does not have liability insurance and you don’t have an uninsurance motorist as part of your policy. Now you begin to think back to that conversation you had with yourself about if you should have gotten it or not. Now you have a high possible chance of having to pay for the other drivers’ medical bills, lost wages if they can not work, their pain and suffering, and depending on which state you live in, car damages. Now, before just jumping to add this to your next premium if you haven’t already, there’s more to understand first.

There are four different types of coverage in terms of uninsured motorists. Understanding these different coverages and what they detail should also help provide you with good affordable auto insurance. The first is uninsured motorist bodily injury, which pretty much pays for the driver who is at-fault and the cause of an accident. Uninsured motorist property damage covers your car if it is hit by a driver who doesn’t have insurance. There is underinsured motorist bodily injury, which pays for you when another driver is the cause of an accident, but they do not have enough liability insurance to cover all of your medical bills, in case you get injured and end up in the hospital. Lastly, there is underinsured motorist property damage, which basically does the same as uninsured property damage, but comes into effect if the driver who hits you does not have enough liability insurance to cover your damages.

Each state varies and has their own laws when it comes to the requirements of uninsured motorist insurance. For some states it is completely required while for some others, it is a rejectable option and completely your choice. When faced with the question of to get or not to get the coverage, there are a few things one should access. For example, do you have any other type of insurance that covers auto accidents? The main existence for having uninsured motorist insurance is to take care of medical insurance after being involved in an accident with an uninsured driver. If your health insurance plan is pretty immaculate, then you may not need the coverage, but if your deductible seems astronomical, then you may want to get the coverage. Plus the coverage pays you money for your suffering, making this a bit more of an affordable auto insurance option.

Another way to make your choice easy is to check to see if you have any other type of insurance to cover car damages and do your research to see how many drivers do not have insurance within your city and state. If you have something else such as collision insurance then you may not need an uninsured motorist since collision covers this along with a few other things. All in all, uninsured motorist insurance is a sure way to help cover yourself and others but always consult with your agent to make sure you know certain specifics about your state and their requirements.