Uninsured Motorist Coverage Author:    Posted under: Auto InsuranceAuto Insurance Types

You would think that because car insurance is required in 49 of the 50 states (New Hampshire being the exception) before anyone can get in a car and drive, that everyone would have it, right? Wrong. A study conducted by the Insurance Research Council reported that the estimated number of uninsured motorists can reach up to a whopping 25% in some states. But even if car insurance is not a requirement in every state, financial responsibility to operate a vehicle on the roadway is.

Either way, that’s a lot of people who are driving uninsured. And you can never be too certain that you won’t meet and become involved in an accident with one of them on the road.

Uninsured Motorist Coverage can pay for injuries sustained by you or any of your passengers, and in some states, even damages to your property in case of an accident involving a negligent driver that doesn’t have insurance, taking into account that the other driver is at fault in the incident.

Victims of hit and run drivers who have Uninsured Motorist Coverage will also benefit from it. In the event that the victim was unable to get a positive identification of the license plate, the driver who caused the accident will be considered uninsured for the purposes of an uninsured motorist provision.

Some of you would argue that their health insurance can cover any medical expenses you may incur should you be in an accident with an uninsured motorist. While this may be true, your health insurance will not pay for lost wages and pain and suffering resulting from a car accident. These are paid for by the at-fault driver’s liability insurance and if he doesn’t have that, then you will not be compensated for your lost wages, pain and suffering.

If you don’t have Uninsured Motorist Coverage, the only alternative is to bring legal charges against the driver who hit you and that is not a cheap option. Besides, uninsured drivers are likely to not have insurance in the first place because they can’t afford the rates making it unlikely that they can pay for your expenses even if you win the lawsuit.

Following an accident, your insurance provider will conduct an investigation to confirm that the other motorist was indeed at-fault and is uninsured. Do not forget to write down the other driver’s contact information, his license plate number. It might also be sensible to call the police and report the accident, no matter how minor because it can help sort out who is at fault if need be.

You can expect a representative from your insurance company to get in touch with the other motorist to get his side of the story and verify that he does not have insurance. As hard as it may be to believe, some motorists who believe they are insured have actually lapsed their policy due to nonpayment.

It is also important to note that Uninsured Motorist Coverage alone does not cover the expenses you will incur for repairs that need to be done on your damaged vehicle. For that you will need Uninsured Motorist Property Damage.

There are those who view Uninsured Motorist Coverage as ‘enabling’ those who are irresponsible enough to drive without insurance coverage; that they have to pay more for those that don’t pay anything at all. But in the end, it will save you a lot of money and will give you peace of mind to know that you can get money even if the other driver can’t pay you.


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