What happens if you get hurt by another vehicle that hits your car but doesn’t have enough insurance or any insurance at all to pay for the injuries? Having Uninsured/Underinsured Motorists Coverage on your policy might be the answer.
Uninsured/Underinsured Motorists Coverage applies when you’re the victim of a hit and run (excluding some states), the accident is not your fault, or the driver at fault doesn’t have enough liability insurance to pay for any injuries. This can help you to avoid having to pay out of pocket for an accident that you didn’t cause.
Uninsured motorist coverage (UM) will help pay for medical expenses up to a predetermined limit if the other party is at fault and has no insurance.
Underinsured motorist insurance (UIM) will help pay medical expenses up to a predetermined limit if the other party is at fault and exceeds their amount of liability limits.
Some covered expenses for you and your passengers under the Uninsured/Underinsured Motorists Coverage might include medical bills, lost wages, and pain and suffering.
Although Uninsured/Underinsured Motorists Coverage limits and requirements can vary by state, it is a great coverage to have.
Make sure to ask your agent or customer service representative what options are available for you.