What Is Uninsured Motorist Coverage? And Who Need It?

This is an auto insurance coverage that protects you if involved in an auto accident caused by an uninsured driver. This type of insurance covers your bills after being involved in an accident caused by a driver who doesn’t have insurance.

What Does Uninsured Motorist Cover?

If another driver who doesn’t have liability insurance caused your accident, uninsured motorist insurance typically covers costs for you and your passengers. These costs include:

  • Medical expenses
  • Funeral expenses
  • Suffering and pain compensation
  • Lost wages if you cannot work
  • Damages to your car and many more.

However, every uninsured motorist’s coverage is different. The best way to know what your uninsured motorist insurance covers is to ask your insurance provider.

What Does It Not Cover?

Uninsured motorists will not cover every expense. It typically does not cover:

  • Legal fees related to the accident
  • Damages to items inside your car
  • Expenses over your policy amount

Therefore, it’s crucial to discuss your coverage in detail with your provider to understand what your uninsured motorist’s coverage protects.

Who Needs Uninsured Motorist Coverage?

If you drive, then you need uninsured motorist coverage. This coverage pays if you’re hit in an accident. You never can tell; the person who hit you may not have enough insurance to pay for damage to your car or your injuries.

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