Uninsured motorist insurance is a type of car insurance that provides coverage for damages or injuries you sustain in an accident caused by a driver who does not have insurance. It can also provide coverage in hit-and-run accidents where the at-fault driver cannot be identified.
There are several reasons why you should consider having uninsured motorist insurance:
Protection from uninsured drivers: Despite mandatory car insurance laws in most states, there are still many drivers who do not carry insurance. If you are in an accident with an uninsured driver, you could be left with hefty medical bills and repair costs. Uninsured motorist insurance provides protection and can cover these costs.
Hit-and-run accidents: If you are involved in a hit-and-run accident, you may not be able to identify the at-fault driver. In this case, uninsured motorist insurance can help cover your damages and injuries.
Lower deductibles: Uninsured motorist coverage typically has lower deductibles compared to other types of car insurance, which means you would pay less out-of-pocket if you are in an accident.
Peace of mind: Knowing that you have uninsured motorist insurance can provide peace of mind and protect you from potential financial loss in case of an accident caused by an uninsured or underinsured driver.
Overall, uninsured motorist insurance is a valuable coverage option that can protect you in the event of an accident with an uninsured or underinsured driver. It is important to check with your insurance provider to determine the coverage options available and to choose a policy that best meets your needs.