Most states require you to carry liability insurance, but what about those who choose not to have insurance? Who pays for damages or injuries?
If you are in an accident with a driver that doesn't have insurance on their vehicle, you will be responsible for damages to your car and possibly, the injuries of any passengers you have with you.
Uninsured Motorist coverage includes Uninsured Motorists Bodily Injury (UMBI) and Uninsured Motorists Property Damage (UMPD). UMBI and UMPD are separate coverages, and each one pays for different damages or injuries.
Uninsured Motorists Bodily Injury helps pay medical costs for injuries, up to your limits listed on your policy, for yourself and any passengers you have with you if the uninsured motorist is at fault for the accident. Medical costs can run thousands of dollars depending on the severity of injuries and how many passengers are with you at the time of the accident. This coverage has the potential to save you from financial heartbreak. It may also pay for lost wages and other expenses incurred as a result of the accident. Check your policy jacket for the details specific to your policy and state insurance regulations.
Uninsured Motorists Property Damage covers damages to your vehicle if an uninsured motorist causes an accident that damages your property. The maximum amount paid out for any damage is determined by the limits listed on your policy and the adjuster who investigates. The damage could be to your home, fence, or your vehicle.
You may be required to carry Uninsured Motorists liability coverages per your state laws and insurance regulations. Your local agent can recommend and advise you in your choice of whether or not you must carry this coverage.
If you are in an accident with a driver that doesn't have insurance on their vehicle, you will be responsible for damages to your car and possibly, the injuries of any passengers you have with you.
Uninsured Motorist coverage includes Uninsured Motorists Bodily Injury (UMBI) and Uninsured Motorists Property Damage (UMPD). UMBI and UMPD are separate coverages, and each one pays for different damages or injuries.
Uninsured Motorists Bodily Injury helps pay medical costs for injuries, up to your limits listed on your policy, for yourself and any passengers you have with you if the uninsured motorist is at fault for the accident. Medical costs can run thousands of dollars depending on the severity of injuries and how many passengers are with you at the time of the accident. This coverage has the potential to save you from financial heartbreak. It may also pay for lost wages and other expenses incurred as a result of the accident. Check your policy jacket for the details specific to your policy and state insurance regulations.
Uninsured Motorists Property Damage covers damages to your vehicle if an uninsured motorist causes an accident that damages your property. The maximum amount paid out for any damage is determined by the limits listed on your policy and the adjuster who investigates. The damage could be to your home, fence, or your vehicle.
You may be required to carry Uninsured Motorists liability coverages per your state laws and insurance regulations. Your local agent can recommend and advise you in your choice of whether or not you must carry this coverage.