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Uninsured Motorist Coverage?

Uninsured motorist coverage protects you after an accident caused by a driver who doesn’t carry liability insurance. Similarly, underinsured motorist insurance applies when the at-fault driver has insurance but not enough to cover the policyholder’s bills.

What does it cover?

  • Uninsured motorist (UM) and Underinsured motorist (UIM) insurance will cover your medical expenses and vehicle repair costs up to predetermined limits.

  • The two types of uninsured motorist coverage are bodily injury (UMBI) and property damage (UMPD).

When Uninsured/Underinsured Motorist Coverage Applies?

  • The accident is not your fault.

  • The at-fault driver doesn’t have enough liability insurance to pay for your injuries or property damage.

  • You’re the victim of a hit and run

Do You Need Uninsured Motorist Coverage?

You definitely want uninsured motorist coverage, up to the value of your car.  It is usually worth the investment considering how affordable it can be.  Remember that your standard liability insurance alone will not be enough to protect you in an accident with an uninsured motorist.

What Is Uninsured Motorist Property Damage?

Uninsured motorist property damage (UMPD) is a type of auto insurance that pays for damage to your car or other property if it is damaged by a driver without car insurance. UMPD can cover damage to the policyholder's vehicle as well as stationary objects that they own, including their house and fence.

Uninsured motorist property damage insurance is commonly purchased with underinsured motorist property damage insurance, which applies when the at-fault driver is insured but does not have enough liability insurance to cover the policyholder's expenses.

Should I reject uninsured motorist coverage?

No, you should not reject uninsured motorist coverage unless you have collision insurance and enough medical coverage to pay for your expenses after an accident caused by an uninsured driver. Drivers can reject uninsured motorist coverage in states where it is optional,like Texas, but still has to be offered by insurance companies. If you choose not to get Uninsured Motorist you must sign a form saying you rejected it.

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