Auto insurance coverage protects you from car accidents caused by you and other drivers. But, what if you?re in an accident caused by someone driving without insurance? Learn how you can protect yourself from uninsured drivers with uninsured motorist insurance.
What is uninsured motorist insurance?
Uninsured motorist insurance is coverage that pays certain bills of you and your passengers if any of you are injured in an accident caused by a motorist driving without insurance. A motorist is considered an uninsured driver if he does not have liability coverage. You?re also covered if you are the victim of a hit-and-run incident.
What does uninsured motorist insurance cover?
If you or any of your passengers are injured in an accident caused by an uninsured driver, your insurance will cover the following claims:
- Medical expenses like hospital stays, medications and doctor appointments
- Lost wages if you are unable to work
- General damages to belongings other than the vehicle
Your policy will only cover expenses up to the amount of coverage you purchased with your car insurance coverage, so make sure you buy the maximum amount of coverage that fits into your budget.
What is uninsured motorist property damage insurance?
You can also get coverage to pay for damage to your vehicle caused by an accident with an uninsured driver or in a hit-and-run accident. Uninsured motorist property damage insurance covers vehicle repairs up to your policy limit.
How do I protect myself with uninsured motorist insurance?
To learn more about uninsured motorist insurance, contact a reputable company you can trust. An agent can answer your questions and give you a quote for auto insurance coverage. You can also learn about car insurance discounts you are eligible for that will help save you money.
This is a post contributed by Kelsey A. Raines.
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Source: http://sweatingthebigstuff.com/uninsured-motorist-insurance/
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