What is uninsured motorist coverage?

Uninsured motorist coverage is an additional type of car insurance coverage. Uninsured motorist coverage helps you to pay for your medical expenses and the repair cost to fix the damages to your vehicle in case of an accident with an uninsured driver. An uninsured driver means a driver who is not covered under the auto insurance policy.

If another driver is at fault in an accident then generally auto liability coverage of at-fault drivers helps you to cover your medical payments and cost of damages to your vehicle. But if the at-fault driver is not insured under auto insurance policy then you would have to pay for the damages from your pocket. To cover these expenses you need to include Uninsured motorist coverage in your car insurance policy.
Uninsured motorist coverage helps you to recover the losses incurred by accident with an uninsured or underinsured driver.

What is covered by Uninsured motorist coverage?

Uninsured motorist insurance provides the following two types of coverage:

• Uninsured motorist bodily injury coverage
  Uninsured motorist bodily injury coverage helps you to cover your medical expenses and hospital bills if an uninsured driver hits your car. Your family members who drive your car and your passengers are also covered under Uninsured motorist bodily injury coverage.
• Uninsured motorist property damage coverage
  Uninsured motorist property damage coverage helps to cover the cost to repair the damages to your vehicle caused by an accident with an uninsured driver. Uninsured motorist property damage coverage is not available in all the states of the USA.

Is uninsured motorist coverage required in the USA?

The requirement of uninsured motorist coverage depends upon the state where you live. In some states it is not mandatory to purchase but in others, it is required by the law to purchase uninsured motorist coverage. Requirements for coverage limits of uninsured motorist insurance are also different in different states. You should select the uninsured motorist coverage limit according to your state requirement.
States that require Uninsured motorist bodily injury coverage:

1. Connecticut
2. District of Columbia
3. Main
4. Kansas
5. Maryland
6. Illinois
7. Massachusetts
8. Minnesota
9. Missouri
10. Nebraska
11. New Hampshire
12. New York
13. North Carolina
14. Oregon
15. Rhode Island
16. South Carolina
17. South Dakota
18. Vermont
19. Wisconsin
20. Virginia
21. West Virginia

States that require Uninsured motorist property damage coverage:

1. District of Columbia
2. Maryland
3. New Hampshire
4. North Carolina
5. Rhode Island
6. South Carolina
7. Virginia
8. West Virginia
9. Vermont.

Uninsured motorist coverage limits

Following are the cover limits for uninsured motorist insurance:

1. $100000 bodily injury coverage limit per person.
2. $300000 bodily injury coverage limit per accident.

Do I need to purchase uninsured motorist coverage if it is not required?

It is your choice to purchase uninsured motorist coverage if it is not required by the law but you should have minimum liability insurance coverage because it is mandatory to drive legally in every state of the USA. But there are many drivers on the road who drive without auto insurance policy so it is wise to purchase uninsured motorist coverage as a part of auto insurance policy if you want to cover the property damages to your vehicle and your medical expenses caused by accident with the driver who is not covered under the car insurance policy. If you do not have uninsured motorist coverage in your auto insurance policy then you will have to pay for the damages from your pocket.

Do I need to purchase uninsured motorist coverage if I have collision coverage?

Collision coverage as a part of your auto insurance policy helps to cover the cost to fix the damages to your vehicle caused by an accident with an uninsured driver. But collision coverage does not protect you against the medical expenses and hospital bills for the treatment of injuries caused in an accident with an uninsured driver. If you have only collision coverage then you are not able to claim for the medical expenses in case of an accident with an uninsured driver. It is a good option to purchase uninsured motorist coverage because it helps to cover both the medical expenses and property damages if the uninsured driver hits your car. If your car insurance company offers both uninsured motorist coverage or collision coverage then you should need to know which coverage is beneficial for you.

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