What does uninsured motorist cover

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Significance

Uninsured motorist coverage pays for medical costs for injuries sustained to the policyholder, passengers of the vehicle and other drivers listed on the policy. The coverage pays up to the maximum amount of the policy limit of insurance purchased per person, per accident. Policyholders of uninsured motorist coverage are also covered if hit as a pedestrian.

Considerations

Uninsured motorist coverage only pays the medical costs for the injuries of drivers and passengers involved in an accident. For a higher premium, a policyholder can obtain uninsured property damage insurance along with uninsured motorist coverage to pay for damages done to the vehicle by an uninsured driver.

Benefits

Uninsured motorist coverage benefits people who do not have health insurance and require medical attention when involved in an accident with an uninsured driver. This coverage pays medical expenses according to the terms and limits in the policy.

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In most states, drivers are required by law to carry insurance on their vehicles. This insurance protects both you and other drivers.

Uninsured motorist coverage pays for injury costs when the person that you have an accident with does not have insurance. Find out.

Car insurance starts with liability coverage for the other driver. Automobile insurance protects you, your car and the other driver if you.

Underinsured motorist coverage functions as a safeguard against getting into an accident with drivers that carry an inadequate amount of liability insurance.

Uninsured Motorist Coverage insures a driver against damages caused by another motorist who does not have liability insurance or does not have.

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Source: ehow.com

Category: Insurance

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