The uninsured motorist clause is part of some car insurance policies and gives coverage for bodily injury of the driver or their passengers. If the opponent doesn't have car insurance or the other one is at fault. According to a report from the Insurance Research Council, one in eight drivers is uninsured. In such cases, you may be stuck with a heavy run short of money due to out-of-pocket expenses like medical bills and health insurance deductibles.
What is uninsured motorist coverage?
In some states, you may buy uninsured motorist property damage. It pays for your loss if an uninsured driver hits you. Collision coverage is a good option, available in all states can compensate for your car damage whether it hits by an uninsured driver or not.
UM or UMBI is a type of car insurance that can cover medical expenses
if you or your passengers may get harmed during an accident caused by;
A driver who doesn't have liability insurance.
A driver who hits then runs.
A driver whose insurance company kicks him out.
UM can cover:
Medical bills
Lost wages if you are unable to work due to an accident.
Suffering compensation.
Funeral expenditures.
How to get uninsured motorist coverage?
UM is required in some states, but some states may not offer it. You should learn about "auto insurance requirements in your state." UM, coverage limits match liability limits. For example, if you have liability limits of 100/200 ($100,00 for injury to a person and $200,000 per accident), you'd need to get some in UM.
In some states, you can buy UIMPD coverage (underinsured motorist property damage) and UMPD coverage (uninsured motorist property damage).
Different steps to buy UM:
Confirm if your state requires UM on your car insurance policy.
If it is not required, think wisely to get it.
If you desire to get it, match UM limits with your liability limits.
Shop around for the best rates.
Decide other coverages for your car insurance policy.
Types of insurance and it works
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Uninsured motorist bodily injury (UM or UMBI)
Pays when an accident causes due to another driver’s fault.
Uninsured motorist property damage (UMPD)
Compensates damage to your car by someone without insurance. Some states allow to use UMPD.
Underinsured insured motorist bodily damage (UIM or UIMBI)
A driver has to pays when he becomes the cause of a car accident but he does not carry enough liability insurance to cover all your medical bills, lost wages, etc.
Underinsured insured motorist property damage (UIMPD)
Pays damage to your vehicle if it’s hit by someone who doesn’t carry enough liability insurance.
Uninsured motorist coverage limits
UM, coverage can express by two numbers as 100/200. It means:
$100,000 bodily injury per person.
$200,000 bodily injury in every accident.
If your state demands uninsured motorist coverage, you'd buy it at least the state's minimum. The minimum means your UM is equal to your liability limits. For instance, if the limit of your UM is about 100/200, your liability should be 100/200.
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