What You need to Know About Motorist Coverage

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On July 19, 2023
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Car accidents can happen suddenly and without warning, leaving victims with injuries, property damage, and medical bills. In an ideal world, the at-fault driver’s insurance should cover these costs, but what happens when the responsible party is uninsured or underinsured? This is where uninsured/underinsured motorist coverage (UM/UIM) comes into play. In this comprehensive blog post, we’ll explore the importance of UM/UIM coverage. It can protect you in the event of a car accident involving an uninsured or underinsured driver.

Uninsured/Underinsured Motorist

Before delving into UM/UIM coverage, it’s essential to understand who uninsured and underinsured drivers are:

  • Uninsured Drivers: An uninsured driver is someone who operates a vehicle without any auto insurance coverage. This means they lack liability coverage, which is typically required by law to cover damages they cause in an accident.
  • Underinsured Drivers: An underinsured driver is someone who has insurance but not enough to cover all the damages resulting from an accident they cause. Their policy limits may be insufficient to cover medical expenses, property damage, or other losses.

role of uninsured/underinsured coverage

UM/UIM coverage is an optional component of auto insurance policies in many states. This coverage is designed to protect you, the insured driver. It protects you if are involved in an accident with an uninsured or underinsured driver. Here’s how it works:

  1. Coverage for Medical Expenses: UM/UIM coverage typically provides compensation for medical expenses related to injuries sustained in an accident caused by an uninsured or underinsured driver. This can include hospital bills, surgeries, rehabilitation, and other medical costs.
  2. Compensation for Property Damage: In addition to medical expenses, UM/UIM coverage may also cover property damage, including repairs or replacement of your vehicle.
  3. Coverage for Lost Wages: If you are unable to work due to injuries from the accident, UM/UIM coverage can help replace lost income by providing compensation for lost wages.
  4. Protection for Hit-And-Run Accidents: UM/UIM coverage often extends to hit-and-run accidents where the responsible party cannot be identified or located. In such cases, you can file a claim under your UM/UIM policy.

The Benefits of Um/Uim coverage

  • Peace of Mind: UM/UIM coverage provides peace of mind knowing that you are financially protected even if the at-fault driver doesn’t have insurance or enough coverage.
  • Protection for You and Your Passengers: UM/UIM coverage typically extends to passengers in your vehicle. It ensures their protection in case of an accident caused by an uninsured or underinsured driver.
  • Affordable Premiums: UM/UIM coverage is often cost-effective, especially when compared to the potential financial burden of medical bills, property damage, and lost income resulting from an accident.

How to get UM/UIM Coverage

To obtain UM/UIM coverage, you can typically add it to your auto insurance policy when purchasing or renewing your coverage. It’s important to discuss your specific needs and coverage limits with your insurance agent to ensure you have adequate protection.

Car accidents involving uninsured or underinsured drivers can be financially devastating, but UM/UIM coverage can provide a safety net. While it’s not mandatory in all states, considering the potential risks and costs associated with accidents, investing in UM/UIM coverage is a prudent decision. Protect yourself and your loved ones with this coverage. It ensures that you won’t be left facing substantial bills and losses in the unfortunate event of an accident caused by an uninsured or underinsured driver. Always consult with your insurance provider to explore your options and tailor coverage to your needs. Call Gosdis Law if you or a loved one has been in an accident at (385) 429-9960 today.

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