Uninsured Motorist – Car Insurance
What is Uninsured Motorist Coverage?
As much 22% of California Drivers are Uninsured according to The Insurance Research Council in their article with the Insurance Journal.
Uninsured Motorist Coverage gives drivers on the road coverage when in collision accident with an uninsured driver. It is an optional coverage available with auto insurance policies in California, and is not required by law. But, you may want to look at the benefits and facts below to see what Uninsured Motorist is all about.
If you have Collision Coverage on your Car and an Uninsured driver hits your vehicle, the Uninsured Motorist (U.M.) coverage will waive your deductible associated with your collision coverage.
If you don’t have Collision Coverage, the Uninsured Motorist Property Damage (U.M.P.D.) Coverage will give you coverage of up to $3,500(Mercury Insurance offers $3,750)
Now what happens when you are hit by an Uninsured Driver and you or your passengers need medical attention?
Uninsured Motorist Bodily Injury Coverage(U.M.B.I) will give you and your passengers coverage for bodily injuries up to the limit of you U.M.B.I. this is often the same limits as your liability, but can be less.
In Summary Uninsured Motorist, acts as if the other drive had Liability Insurance, and your own insurance company covers you for Bodily Injuries and Property Damage.
Myths & Common Misconceptions of Uninsured Motorist
#1) Uninsured Motorist is so that other people can drive my car.
No people who drive your car should be listed on your policy as a driver.
#2) Uninsured Motorist is so that I can drive other people’s car.
Your auto insurance may give you coverage for vehicles you drive, but you must verify by talking to you agent. Many Auto Insurance companies are restricted and limited
#3) Is expensive.
Uninsured Motorist is more affordable than you think often not more than 5%-10% difference