What is uninsured motorist coverage?
Uninsured motorist auto insurance was created to protect drivers from other motorists operating vehicles without car insurance. Especially in at fault states, if a driver causes an accident but does not have insurance it is possible they will not be able to pay for the damages they’ve caused.
Auto insurance companies have rules and in at fault states they are only responsible for paying damages if their customer causes the accident. If you were the victim of a car accident and the other drivers couldn’t pay for the damages they caused, you would have to take care of the damages as an out of pocket expense.
Another reason for the existence of uninsured motorist coverage is to tackle the problem of hit and run drivers. If you are struck by vehicle and they leave the scene of the accident, it can be difficult to track down that driver to get their information and receive compensation from their insurance companies.
There are multiple reasons people would leave the scene of an accident: they are in a hurry, there is a warrant out for their arrest, or they do not have insurance coverage. Whatever the motive, the hit and run would make it very difficult for a victim to get their damages paid for. This is where uninsured motorist coverage can be the extra protection they were looking for.
Uninsured motorist coverage will pay for medical expenses, death and funeral expenses, loss of wages or income, and pain and suffering costs.