Do You Need Uninsured Motorist Coverage?

In this article we will elaborate the benefits of having Uninsured Motorist Insurance and how it exactly works in a real-life scenario.

What Is Uninsured Motorist Coverage (UM)?

Uninsured motorist (UM) coverage is a component of an auto insurance policy that provides coverage when the policyholder is in an accident with someone who does not have insurance. It is an add-on to a standard auto policy and pays for injuries to the policyholder and passengers, and in some instances for damage to property, if the other driver is legally responsible for the accident but uninsured. In some states, it is required that auto insurance policies include uninsured motorist coverage

Uninsured Motorist Insurance:

Uninsured motorist coverage (UM) is an add-on coverage for auto policies that will pay for injuries and damages caused by an uninsured driver.

Uninsured motorist coverage usually adds only a small cost to an auto insurance policy but provides beneficial coverage.

Hit-and-run drivers are also considered uninsured.