Uninsured / underinsured motorist protection can be used when you're
struck by a driver without insurance or one that has inadequate coverage, and can pay for necessary repairs or replacements to your car.
«In addition to paying for insurance that covers their own actions, insured drivers pay a portion of the costs
incurred by drivers without insurance through uninsured motorist (UM) coverage.
This endorsement, often called «Uninsured / Underinsured Motorist» in many other jurisdictions, will, in the event that the driver or passengers of the insured vehicle are injured /
killed by a driver without insurance or with inadequate liability limits, provide additional recovery for damages as a result of injuries.
Uninsured motorist property damage alone is not enough to cover all potential car repair / replacement costs, and only applies if you are involved in an accident caused
by a driver without insurance coverage.
Uninsured and underinsured motorist coverage for bodily injury: Coverage for you and your passengers when you are involved in a hit - and - run accident or are in an accident
caused by a driver without insurance.
'' (This helps) ensure that you're covered if you're hit
by a driver without insurance, or enough insurance,» Walker says.
The best way to protect yourself and your passengers from the medical costs and other expenses associated with an accident caused
by a driver without insurance is to have uninsured motorist insurance.
Uninsured driver or motorist: This part of an auto insurance policy covers injuries to you caused
by a driver without insurance.
Missouri also requires that you buy uninsured / underinsured motorist bodily injury coverage to pay for treatment if you're hit
by a driver without insurance.
If you have collision coverage, it would also pay for damage caused
by a driver without insurance or without enough coverage.
You may already know that liability and collision insurance can help cover costs from an accident involving another driver — but what happens if you're in an accident caused
by a driver without insurance?
The number of uninsured drivers in Wisconsin is lower than the national figures, but there is always a chance that you will be involved in an accident caused
by a driver without insurance.
Uninsured motorist coverage offers an added layer of protection and steps in to cover costs if you get hit
by a driver without insurance.
If you get hit
by a driver without insurance or the at - fault party flees the scene, uninsured motorist coverage will pay for your medical bills.
That way, you will get the peace of mind that comes from knowing that damages caused
by a driver without insurance will be covered.