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Do I Really Need Uninsured Motorist Coverage?

Herrig & Vogt Feb. 27, 2018

According to the Insurance Research Council (IRC), an average of one in every seven drivers in the United States is currently on the road without insurance. What does this mean for you? If you get in an accident with one of these uninsured drivers, your wallet can take a serious hit.

While frustrating to think about people who drive without insurance, it should also cause you to think about how you can protect yourself and your family. One of the best ways to do this is by purchasing uninsured motorist coverage.

What Is Uninsured Motorist Coverage?

Uninsured motorist coverage can seem like an unnecessary life expense, until the moment you desperately need it, that is. Picture this: you get in an accident with another car. The driver of that car caused the accident and does not have insurance. Therefore, there is no insurance money to pay for your injuries, vehicle damage, and potential lost wages. You are then forced to pay your own bills out of pocket.

Uninsured motorist coverage helps you pay for these bills so you personally don’t have to. Depending on the limit you choose for your coverage, you may not have to touch your wallet once during the entire process.

Uninsured motorist coverage can be purchased for both bodily injury and property damage. Many times, the bodily injury portion will also cover other passengers in your car who were injured, as well. Property damage is especially helpful when your car sustains significant damage.

The limits for uninsured motorist coverage usually range from $20,000 to $1 million. When selecting your limit, it is important to consider the worth of your car, your current medical insurance, and if your employer will compensate for disability leave.

Getting in a car accident can create physical and emotional pain, but preparing for the unexpected can help offset some of the trauma. If you do get in an accident, our firm wants to help. We have over 20 years of personal injury experience and a reputation for delivering real results.