Uninsured Motorist Protection

Written by Mark Fightmaster on December 29, 2009 & Posted in Auto Insurance

According to a study conducted by the Insurance Research Council (IRC) in 2006, if someone is injured in an auto accident, the chances are roughly one in seven that the at-fault driver is uninsured.

The study also showed that the estimated percentage of uninsured drivers increased from 12.7% in 1999 to 14.6% in 2004. These statistics do vary on a state-by-state basis, but there are many uninsured drivers on American roads. In fact, the IRC predicts that about 16% of drivers may be uninsured by 2010.

Why Are There So Many Uninsured Drivers?

Cost may be a factor in the number of uninsured drivers on the road. According to a 2008 IRC report, if the unemployment rate increases by 1%, the percentage of uninsured drivers may increase by 3/4%.

What Is Uninsured Motorist and Underinsured Motorist Coverage

In order to protect yourself, should you get into an accident with someone who does not have auto insurance (or only minimal insurance), you should obtain uninsured motorist coverage.

Uninsured motorist coverage reimburses you, a family member, or a designated driver, if any of you are injured in an accident by an uninsured driver, of if any of you are the victim of a hit-and-run accident.

Underinsured motorist coverage is applicable when someone who causes an accident has only minimal insurance, and cannot pay for the entire cost of your loss.

When This Coverage Matters

When you get into an accident your health insurance may pay for the medical expenses that you incur. However, these bills have the potential to be very expensive. Uninsured motorist coverage pays for medical expenses until your health care coverage kicks in.

In addition to health care costs, uninsured motorist coverage and underinsured motorist coverage may pay you for any lost wages or pain and suffering that result from the accident.

Although uninsured motorist coverage is available in all 50 states, this particular coverage is not required in many states. You should confirm that your current auto policy has uninsured motorist coverage. If you would like to compare auto insurance rates, and purchase coverage just fill in the form above.







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