The benefits of uninsured
motorist coverage far outweigh the extra money it will cost you.
Not exact matches
Let us assume that the at fault driver only has the Georgia minimum policy limits of $ 25,000.00 and you only have $ 25,000.00 in Georgia Underinsured
motorist coverage, so there is no
further coverage available for your loss.
But Missouri takes it a step
further and mandates that drivers also have uninsured
motorist coverage before hitting the open road.
NY auto insurance un-insured
motorist coverage is an extremely important
coverage that is glossed over
far too often by most NY insurance professionals.
Also note that as
far as optional
coverage selections go, uninsured
motorists coverage is one of the least expensive add - ons you can include in a car insurance policy.
Auto
coverage for uninsured / underinsured
motorist bodily injury
coverage is not required by state law, but is recommended to
further protect the driver.
Additional Urbana car insurance
coverage like collision, comprehensive and uninsured / underinsured
motorist protection goes
further than standard liability.
Others go a step or two
further, requiring add - ons such as personal injury protection and uninsured or underinsured
motorist coverage.
For
further protection, you need to have something like uninsured / underinsured
motorist coverage or personal injury protection / medical payments
coverage.
While you are only required to hold liability and uninsured
motorist coverage, you may want to consider purchasing additional
coverage to help
further protect you against unfortunate incidents.
Collision insurance will be required if there is an outstanding loan on your vehicle, and many
motorists opt for a comprehensive insurance plan to
further supplement their
coverage.
According to insurance giant Allstate, Floridians are
far more likely to opt for an insurance package in the neighborhood of $ 100,000 / $ 300,000 for bodily liability, $ 50,000 in property damage insurance, $ 5,000 in extra medical payments
coverage, and uninsured
motorist coverage of $ 10,000 / $ 20,000 (not a bad idea, since Florida's uninsured
motorist rate is estimated to be around 19 % by the Insurance Research Council).
Further, it is also advisable to purchase other types of optional auto insurance
coverages, such as comprehensive
coverage, collision
coverage, uninsured / underinsured
motorist coverage, medical
coverage, etc..
Further, according to Indiana laws, all new insurance policies should compulsorily include uninsured / underinsured
motorist coverage, with a minimum limit of $ 50,000.
However, if your medical expenses
far exceed the at - fault party's liability limits, then you may use the Underinsured
Motorist Bodily Injury
coverage and pay for the amount that is not covered by the at - fault driver's insurance.
Further, if the «at - fault» driver lacks
coverage to cover his damages, he / she can sue the non-fault drivers Uninsured
Motorist Insurance Company.