Online Auto Insurance Policy
Low Cost Car Insurance Policy

Uninsured Motorist Coverage pays for Medical Expenses

With the increasing cost of auto insurance policy, more car owners than ever are driving without auto insurance policy. In states such as California, almost one in four motorists are uninsured. Uninsured motorist coverage protection is an optional coverage in most states and can be a very important part of your auto insurance policy.

Uninsured motorist coverage protects you, your passengers, and resident members of your family in the event injuries occur in an accident caused by a driver without liability insurance or in a hit-and-run accident. Without this coverage, you will have to pay all your personal injury expenses out-of-pocket.

Uninsured motorist coverage compensates you for bodily injuries, including: medical expenses, pain and suffering, out-of-pocket expenses, and lost wages. It, however, does not pay for damages to your automobile. It is limited to medical treatment for bodily injuries. You must purchase a separate option known as uninsured motorist coverage for property damage to cover damages to your insured car caused by an uninsured auto. You should have uninsured motorist coverage up to the same limits as your liability coverage.

Contact the police immediately if you are involved in an accident with an uninsured motorist or in a hit-and-run accident. Some insurance companies may require an accident report before paying out the claim.