Insure Your Future

What Every Driver Should Know About Uninsured Motorist Coverage

18 May 2020 by Sue Palmer

State law requires every driver to have a certain amount of auto insurance. However, not every person follows this guideline. There are always drivers on the road who are either underinsured or uninsured. To safeguard yourself against these drivers, you should learn more about uninsured motorist insurance and ensure you have enough coverage.

Uninsured Motorist Coverage

When it comes to uninsured motorist coverage, the most important thing to remember is that this coverage varies. Uninsured motorist coverage is an umbrella term for different types of coverage offered for drivers that are involved in a collision with someone who does not have insurance. 

The two most common forms of coverage include bodily injury and property damage protection. Bodily injury protection provides coverage for any expenses you have related to physical harm caused by the collision, including medical bills and pain and suffering. 

Property damage protection covers expenses related to the damages sustained to your vehicle or other personal property. In terms of property damage coverage, it's important to note that unlike bodily injury protection, this coverage is not offered in every state, so you will need to do your research to learn what your uninsured motorist insurance options are.

Coverage Limits

Having this coverage is important, but it's equally important that you have the right coverage limit for this protection. Similar to your other insurance options, you can set a limit on the amount of coverage you want for this type of protection. 

Protection for property damage caused by an uninsured motorist comes with a standard coverage limit. For example, if you select $20,000 worth of coverage, your insurance company will only cover this amount in property damage. On the other hand, coverage for bodily injury comes with a split limit, such as a $30,000/$60,0000 split coverage limit. 

In this scenario, the insurance company would pay up to $30,000 to cover expenses related to the physical injuries of a single person and no more than $60,000 to cover the cost of medical expenses for all passengers in the vehicle. It's essential that you have enough coverage to protect everyone in the vehicle.

Do you have enough uninsured motorist insurance? If you don't believe that you do, you should speak with an agent as soon as possible. The last thing you want to do is to be involved in an accident and not have the coverage you need. An agent can help ensure you are protected. 

To learn more, contact a resource like LA Insurance.

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