Why is Uninsured Motorist Coverage So Important?

Why is Uninsured Motorist Coverage So Important?

 Car insurance is required in most states, because it ensures that everyone involved in a car accident has monetary protection for damages and injuries regardless of who was at fault. Unfortunately, many people still drive without insurance. If you are involved in an accident caused by an uninsured driver, you may be faced with paying for the damages which would have normally been covered by the other driver’s insurance. This is very frustrating for insured drivers, because it can be very costly and even raise your insurance premiums.

Uninsured and Underinsured Motorist Coverage

To protect drivers from having to pay for accident damage they didn’t cause, insurance companies offer uninsured and underinsured motorist coverage. Uninsured motorist coverage protects drivers involved in accidents with an at-fault driver that doesn’t carry insurance. Underinsured motorist coverage protects drivers involved with accidents caused by a driver with a policy that does not cover the extent of the damages you suffered. The following are some reasons to get uninsured and underinsured motorist coverage:

  1. Many Uninsured Drivers Can’t Afford to Pay Out-Of-Pocket

If you are in an accident caused by an uninsured driver, you may be able to file a lawsuit to receive compensation for the damages. If, however, they do not have the finances or assets to pay a settlement, you may receive nothing.

  1. Many Drivers are Underinsured

Many drivers have insurance, but their policy may only offer a certain amount of coverage. If you were to suffer significant damages and injuries in an accident caused by a driver with insufficient insurance, then you may end up paying what the insurance company doesn’t cover.

  1. Protection for You and Your Passengers

In the event of a serious accident, uninsured and underinsured motorist coverage can offer coverage for not only serious damage and injuries, but also for loss of income. Coverage applies to everyone in your car at the time of the accident.

  1. Coverage Protects You Outside of Your Car

If you are a passenger in a car accident caused by an uninsured driver, having uninsured motorist coverage can protect offer protection if you sustained injuries. In addition, you are also protected as a pedestrian if you were to get hit by an uninsured driver.

If you don’t already have uninsured and underinsured motorist coverage, you can speak with your insurance company to have it added to your current policy. It may raise your premium some, but the insurance itself is affordable and adds necessary protection that can save you a lot of money if it is needed. If, however, you have already been involved in an accident with an uninsured driver, you should contact a car accident lawyer Milwaukee MI often turns to for aid. An experienced lawyer can help you determine how best to cover the damages without proper insurance in place. In addition, they can protect your legal rights and interests if necessary.


Thanks to our friends and contributors from Hickey & Turim SC for their insight into car accident law.

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