What is Uninsured Motorist Coverage?

January 27, 2012

Uninsured motorist coverage is a type of insurance plan that covers you in the event an uninsured driver hits you. In most states, uninsured motorist coverage only pays for any medical expenses you may incur in the event of such an accident, although in some locations damages may be paid for as well.

Uninsured motorist coverage is only required in a handful of states, but it's usually a cheap add-on to an insurance plan, and a smart one at that. In some states it's estimated that around 25% of motorists are driving without insurance, meaning there is a one-in-four chance you will encounter such a driver if you get in an accident. With the costs of medical expenses so extremely high, it pays to add this to your policy.

If you have a full coverage plan, it's likely you already have this type of insurance. But if you're only carrying liability, it's smart to add this on to your policy.