Uninsured Motorist Coverage
According to the laws of the United States, all cars on the road have to be insured. The type and the amount of insurance will vary from one state to the next, but they all require some type of auto insurance coverage to be carried on the car. It is also required that the driver of the vehicle has proof of that insurance on them whenever they are driving the car.
The states do not care if the car has cheap auto insurance or expensive insurance. All they are worried about is that the car is insured. If a person is caught by the police driving without insurance, they will get a ticket and have to pay a fine. They may get their driver’s license suspended. If a person gets into an accident without insurance, they will get that same type of punishment. The problem is that there is not much else that the states will do.
What is Uninsured Motorist Insurance?
When an uninsured motorist gets into an accident with another person, that person will not care that the insured driver gets a ticket. What they will care about is who will pay for the damage that was caused by the accident. The reason that people say they do not have insurance is because they cannot find cheap car insurance that they can afford. If they cannot afford the insurance, they will probably not be able to afford the damages that were caused in an accident.
The solution to this is to have uninsured motorists coverage on your car insurance policy. This policy will allow the driver of the car to be compensated if they are in an accident with a driver that does not have insurance. The insurance company will pay the difference between what the uninsured driver can pay and what the damages from the accident are. The UM insurance coverage will pay for the medical expenses incurred. In order to cover the damage to the car and property from an uninsured motorist, a policy for uninsured property damage will have to be purchased.
One thing that many people do not realize is that this policy can cover a driver if they are struck by a pedestrian or any other type of vehicle that does not typically carry insurance. It adds another layer of protection to a person and their vehicle.
What does it cost?
The question that most people ask when they get an auto insurance quote is how much this coverage will cost. The costs will vary from one insurance company to the next. They will also vary depending on the state that the car is registered in. On the average, the price of this uninsured motorist policy is generally about 10% of the premium for car insurance. If the person is paying $500 a year for insurance, this part of the policy will cost around $50.
Studies have shown that as many as 1 in 7 drivers do not have insurance on the vehicle they are driving. It is unfortunate that this happens, but it is a fact. Instead of hoping that you do not get into an accident with someone that does not have insurance, this policy offers affordable protection that most drivers should get.
Speak directly with an agent at Insurance Medics, call now at 1 (866) 396-9140. Our customer enrollment center is open Monday through Friday from 9:00AM to 6:00PM EST and Saturday from 10:00AM to 2:00PM. We look forward to answer all your questions and having you as a customer.