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Uninsured Motorist Coverage 

Uninsured motorist coverage is also referred to as uninsured/underinsured motorist coverage. What this form of insurance does is provide payment for injuries you or passengers in your car may receive if you are involved in an accident where the other driver is deemed at fault and is uninsured or underinsured. An uninsured motorist is defined as one who does not possess insurance or does not have insurance that meets your state's requirements. This definition also extends to include hit and run drivers. In such a situation, this form of coverage can be quite beneficial. According to the terms of your policy, it may also cover the property damage costs to your vehicle. 

There are currently about a dozen states that require their motorists to maintain this form of coverage. Uninsured motorist coverage must comply with your state's requirements; however, its payments cannot exceed the maximum amount of coverage on your liability policy. If you are involved in a collision and you attempt to negotiate and make payments to another party unassisted, you cannot file a claim under your UMI policy. If you have any specific questions, it is advisable to contact your insurance provider. They may have specific provisions under their policy that differ from the standard coverage.  

As mentioned earlier, underinsured motorist insurance is often packaged in with this policy because it follows the same idea. The underinsured option allots for a driver who hits your vehicle but does not have enough insurance to cover the total cost of damages. He or she can pay for it in part, but the minimal coverage carried has left an outstanding balance that the underinsured motorist insurance will cover. This coverage may be a particularly viable solution if you live in a poor area where people are likely not to have much insurance at all.

Uninsured motorist coverage is an affordable option for coverage that you can add to your policy. The benefit of the amount of protection it offers can bring you peace of mind. Besides offering coverage for you medical expenses, it can also extend to cover lost wages and pain and suffering. If you are struck by an uninsured motorist, you may never recover the cost of your expenses. You cannot recover what another motorist does not have to give you. Unfortunately, in this day and age of our dour economy, many motorists are not carrying adequate amounts of insurance in an attempt to save money. This is because most people simply do not have the money, even if insurance is a necessity. It has been estimated in some states that this percentage of drivers has reached as high as 25%. That means that one in four drivers on the road that could potentially hit you does not have the means to cover any damage for an accident. With statistics like these running our roads every day, you need to make sure that you are as protected as possible so that you don't have to pay out of pocket for something you may not be able to afford.




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