What Is Uninsured Driver Insurance?

When you buy car insurance, you will expect to be protected for all sorts of scenarios.  And one of the most unpleasant scenarios is being hit by a driver who cannot afford reimburse you. The negotiations can quickly reach a stalemate and take a lot of time until claims are resolved, usually after trials.  If you need the car really quick, things become complicated. A quick way to avoid this scenario is to purchase uninsured driver insurance. Find out more and get multiple auto insurance quotes online from our website if you consider buying this policy.

Uninsured motorist coverage is plan dedicated to reimburse you if you and your car suffered damage due to an uninsured, negligent driver. An uninsured driver is someone who did not have any insurance, had insurance that did not meet minimum liability requirements or whose insurance company denied their claim or was not financially able to pay it.

Uninsured motorist covers bodily injuries and property damage.  UMBI can pay for injuries to people protected under your policy. This includes family members in other cars and passengers in your insured cars. Besides paying for medical bills, UMBI may cover lost income as well as pain and suffering. Uninsured Motorist Property Damage (UMPD) can pay for damage to your car by an uninsured driver you can identify, but almost never a hit-and-run driver. If you have the option of purchasing UMPD and collision coverage, UMPD usually pays your collision deductible only. This makes UMPD a policy that may not be worth carrying the coverage. UMPD is not available in all states, and when the term UM is used, it often refers to only bodily injury coverage.

These plans are recommended in areas where the number of uninsured or underinsured drivers is pretty high. Check the statistics for your state.

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