Cheap Car Insurance is Still Insurance

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Cheap Car Insurance is Still Insurance

Not everyone has insurance. Even though everyone is supposed to, not everyone follows directions. If you are hit by an uninsured motorist, do you have coverage that will pay your medical bills or repair your car?

The coverage you need is something you may not have automatically depending on your state. Keep reading to learn more about what does uninsured motorist car insurance cover:

  • What does uninsured motorist car insurance cover? Uninsured motorist coverage (UM/UIM) covers bodily injury in case of an accident with uninsured motorist where the uninsured motorist is at fault.
  • Does uninsured motorists insurance pay for the repair? No. You either need uninsured motorist property damage coverage to repair your car or your collision coverage may be the coverage that will get your car repaired.
  • Is there an uninsured motorist recommended coverage? If your state allows you to have uninsured motorist coverage it is usually a great idea to protect yourself and your family with the same level of coverage you have for liability. If you are willing to make sure someone else is covered - don't you think your family deserves to be covered at the same level?
  • Uninsured motorist insurance law. When people ask, "What is uninsured motorists auto coverage?" They then want to know if it is a required coverage. Check the price and see if it is worth it to protect yourself against uninsured drivers. Generally, if someone cannot afford auto insurance, they won't be able to help you repair your car or pay your medical bills if they hit you or your car.

   

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Jennifer Mathes, Ph.D.