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Uninsured Motorist Coverage (UM)

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Although uninsured motorist coverage protection is an option coverage in most states, it is a very important part of your auto insurance policy. With the increasing cost of auto insurance, more car owners than ever are driving without auto insurance. In states such as California, almost one in four motorists are uninsured.

Uninsured motorist coverage protects you, your passengers, and resident members of your family in the event injuries occur in an accident caused by a driver without liability insurance or in a hit-and-run accident. Without this coverage, you will have to pay all your personal injury expenses out-of-pocket.

Uninsured motorist coverage for bodily injuries

Uninsured motorist coverage compensates you for bodily injuries, including: medical expenses, pain and suffering, out-of-pocket expenses, and lost wages. Uninsured motorist coverage does not pay for damages to your auto. It is limited to medical treatment for bodily injuries. You must purchase a separate option known as uninsured motorist coverage for property damage to cover damages to your insured car caused by an uninsured auto.

How much uninsured motorist coverage do you need?

You should have uninsured motorist coverage up to the same limits as your liability coverage.

Filing a claim

Contact the police immediately if you are involved in an accident with an uninsured motorist or in a hit-and-run accident. Some insurance companies may require an accident report before paying out the claim.

Protect yourself with uninsured motorist coverage. Receive free Car Insurance Quote today.



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