What Is Uninsured Motorist Auto Insurance

Having auto insurance is of utmost importance in this day and age. Considering how many people use motor vehicles these days, it would be utterly irresponsible to drive without having the proper amount of financial coverage in case an accident happens. Unfortunately, statistics show that 1 driver out of every 7 US drivers is currently not insured. This number should alarm you. An accident involving an uninsured or underinsured driver will result in great financial loss. This is why you should know more about what uninsured motorist auto insurance is and how to get car insurance quotes for this policy.

Uninsured motorist car insurance will help you recuperate financial losses caused by an accident with an uninsured driver. Surely, if that person is responsible for the accident, you should immediately call a lawyer and take legal action against that person.  The law is on your side and you will most certainly be reimbursed accordingly.  However, a trial can last for several weeks or even months and you surely want to have your car fixed as soon as possible. You can view this policy as an extension of the basic coverage and it consists of two parts: Uninsured Motorist Bodily Injury (UMBI) and Uninsured Motorist Property Damage (UMPD).

Uninsured motorist bodily injury coverage (UMBI) will help you pay for medical expenses and lost wages. Also, your passengers will benefit of the same rights.   This policy is also helpful if the other driver is underinsured.  He will use his liability coverage and your uninsured motorist coverage will try to offset the remaining costs.  It is recommended to purchase a hefty coverage.  UMBI coverage comes in a split limit, meaning that you will be paid differently if one person is injured or there are multiple persons injured.  You can also use a combined single limit for this policy- the company will pay a fixed sum, no matter how many persons were injured.  Moreover, you can acquire uninsured motorist property damage (UMPD).

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by Ciprian Gurgu