Uninsured Motorist Coverage (UM)
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| Although uninsured motorist coverage
protection is an optional coverage in most states, it is a very important
part of your auto insurance policy. With the increasing cost of
auto insurance, more car owners than ever is driving without auto
insurance. In states such as California, almost one in four motorists
are uninsured.
Uninsured motorist coverage protects you, your passengers, and
resident members of your family in the event injuries occur in an
accident caused by a driver without liability insurance or in a
hit-and-run accident. Without this coverage, you will have to pay for
all of your personal injury expenses out-of-pocket.
Uninsured motorist coverage for bodily injuries
Uninsured motorist coverage compensates you for bodily injuries,
including: medical expenses, pain and suffering, out-of-pocket expenses,
and lost wages. Uninsured motorist coverage does not pay for damages
to your auto. It is limited to medical treatment for bodily injuries.
You must purchase a separate option known as uninsured motorist coverage
for property damage to cover damages to your insured car caused by
an uninsured auto.
How much uninsured motorist coverage do you need?
You should have uninsured motorist coverage up to the same limits
as your liability coverage.
Filing a claim
Contact the police immediately if you are involved in an accident
with an uninsured motorist or in a hit-and-run accident. Some insurance
companies may require an accident report before paying out the claim.
Protect yourself with uninsured motorist coverage. Receive free
auto insurance quotes today.
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