How does Uninsured Motorist Coverage Help People?
People are better protected when they have uninsured motorist coverage and the other driver doesn’t have car insurance. It pays for your medical bills, car repairs, and lost wages after an accident. A lot of people still drive without insurance, so this kind of insurance is very helpful. People don’t always follow the law, even in states where insurance is required.
You might have to pay for everything yourself if you are involved in a car accident with uninsured driver. If the at fault has no insurance, their coverage won’t pay for your injuries or damage. This is where uninsured motorist coverage comes in handy. In this article, we’ll reveal how uninsured motorist coverage helps people.
What Does It Cover?
An uninsured motorist coverage pays for more than just a hospital visit. It covers things you might not think of at the time or shortly after the accident. These are the two main types of coverage it provides:
- Bodily injury coverage: This covers hospital bills, lost income, and pain and suffering.
- Property damage coverage: This helps you fix or replace your car and other property that got damaged in the accident.
In some states, you can get both options, while others only include bodily injury. The rules in your area will determine the policy you have access to.
Why It’s Important
A lot of drivers don’t have insurance, even though they should. The Insurance Research Council reports that about one in seven drivers do not have insurance. There are even more of them in places like New Mexico and Mississippi.
In other words, there is a good chance you will meet someone on the road who can’t cover your losses. If you don’t have uninsured motorist coverage, you might have to pay for your own medical bills and car repairs. Hit-and-run drivers are also covered by this coverage since you can’t get insurance from someone you can’t find.
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How It Helps in Real Life
Let’s say someone hits you and then speeds off. You’re injured, your car is damaged, and you can’t file a claim against anyone. You would have to pay for those costs on your own without uninsured motorist coverage. But with it, your insurance steps in like the other driver should have.
This protection also comes in handy if you get hit while walking or riding a bike. It doesn’t matter if you’re in your car or not. Your insurance may help if the other person is at fault and doesn’t have insurance.
When You Can Use It
To use your uninsured motorist coverage, you need to file a claim immediately. Most of the time, insurance companies need you to act quickly. Therefore, take pictures and get in touch with witnesses if you can at the scene of the accident. This evidence will support your case.
You’ll also have to show proof of your repair costs or hospital bills. It’s easier to process your claim if you have detailed information. Some insurance companies also want to see a police report, especially if the other driver hit and ran.
