The Value of Uninsured Motorist Car Insurance Coverage

Uninsured Motorist (UM) in a personal auto insurance policy can be quite inexpensive while providing valuable coverage to your self, your passengers and in some states, even your vehicle.

Many consumers remain unaware of the valuable protection that UM coverage provides. This could be because, in most US states, it is not a coverage required by law; additionally, many insurance agents fail to offer or even explain UM coverage when selling consumers a policy.

Uninsured Motorist coverage protects the insured for injures, and in some states also for damages to their vehicles, sustained as a result of an accident where the other party being at fault did not have insurance coverage. UM protection is divided into two or three parts, depending if UMPD is available in your state.

1. Uninsured Motorist Bodily Injury (UMBI) Per Person – is the coverage limit in thousands that the coverage will indemnify on a “per person” basis.
2. Uninsured Motorist Bodily Injury (UMBI) Per Accident – is the coverage limit in thousands that the coverage will indemnify on a “total” basis if there were to be more than one person injured.
3. Uninsured Motorist Property Damage (UMPD) Per Accident – is the coverage limit in thousands that will be provided towards the insured’s vehicle damages. This coverage may not be available in some states. If an insured carries Comprehensive and Collision coverage, UMPD can also work as a deductible waiver.

In the United States, it is estimated that over 15% of drivers are driving without insurance coverage; and still, many drivers refuse beyond liability auto insurance coverage because they consider themselves “good drivers” and don’t feel they’ll be involved in an at fault accident.

Picture yourself stopped at a red light waiting for the light to turn green, when suddenly you’re struck from the rear by another vehicle. You may think that it’ll be ok since it wasn’t your fault right? What if the other person was uninsured? Who will pay for the damages you’ve sustained if the uninsured driver cannot afford to pay out of their pocket?

Uninsured Motorist coverage can be fairly inexpensive if added as a supplemental coverage. Not only does it protect you against uninsured drivers, but it can also help complete coverage in the event that a liable driver’s liability coverage is insufficient.

Get a free car insurance quote online and remember to quote Uninsured Motorist coverage to see for yourself how inexpensive it can be. OnlineAutoInsurance.com allows you to get free quotes online from multiple companies with one simple process and with no obligations to buy.

Courtesy of OnlineAutoInsurance.com