Uninsured Motorist Insurance

Uninsured Motorist Insurance

According to the latest 2017 study of Insurance Research Council (IRC), one in eight drivers were uninsured in 2014. It means to say that one in eight drivers does not have the protection against the risk of financial liability or the loss of a motor vehicle in the event of a collision resulting in property damages and bodily injury and when he/she is deemed to be at fault. It also means that if ever you get hit by an uninsured driver, chances of getting paid for your expenses are slim, if not zero, so you may have to pay from your pocket even if it wasn’t your fault. Suing them is not a wise and viable option because uninsured drivers generally have little money or assets.

This is where uninsured motorist coverage can help. It serves as protection when you have acquired damages and suffered physical injuries from an uninsured driver or a hit-and-run driver. It takes the place of the insurance that the uninsured driver-at-fault should have had but did not.


• Uninsured motorist insurance helps you pay to repair your damaged vehicle from being hit by an uninsured driver and by a hit and run incidents, up to the limits in your policy. This component refers to the uninsured motorist property damage (UMPD) coverage.
• Uninsured motorist insurance helps you pay for your medical expenses if you obtained bodily injuries from the accident involving an uninsured motorist, up to the limits in your policy. It may also provide for lost wages and other trauma-related expenses, and This component refers to uninsured motorist bodily injury (UMBI) coverage.
• The bodily injury part of your uninsured motorist coverage (UMBI) may also cover damages to your passengers or somebody who is driving your car with your permission.
• This insurance may protect you even when you’re not driving a vehicle. Let’s say you are standing by the roadside, jogging on a path walk, walking across the street or riding your bike, the bodily injury part of your uninsured motorist coverage (UMBI) may help you with your medical bills.
• There are also instances, depending if it applies to your selected policy, that you may get compensation when your car is damaged in an accident involving a thief and a stolen car.

Uninsured and Underinsured Motorist Insurance

In some states, uninsured motorist coverage comes in a bundle with underinsured motorist coverage, the one that provides you with needed compensation that is beyond the limit of the underinsured motorist’s policy. Considered as a single coverage, you pay for a single premium for both uninsured and underinsured motorist coverages. In other states, these two remain separate and pay separate premiums.

Optional or Required?

There are 22 jurisdictions that require uninsured motorist coverage: Connecticut, District of Columbia, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia, and Wisconsin. It is optional in other states.

For a more detailed discussion regarding uninsured motorist insurance, talk to a specialist. Free quote today!