Read this tip to make your life smarter, better, faster and wiser. LifeTips is the place to go when you need to know about Uninsured Motorist Insurance and other Car Insurance topics.
Uninsured Motorist Coverage pays the cost of injuries to you, your family members and your passengers as though your policy was purchased by the at-fault, uninsured driver. Many states and many insurance companies offer the uninsured motorist coverage as a supplement to under-insured at-fault drivers as well. Since your company defends the at-fault uninsured driver, occasionally your company will actually litigate against you. This rarely occurs, but is even more rarely explained.
Damage to your car may be collectible under uninsured motorist as well. For these reasons, insured drivers should match their uninsured limits to their liability limits. You want to do as much for yourself as you are doing for the stranger you might damage.