Things You Should Know About Uninsured Motorist Car Insurance

To drive legally on the roads of US, you must have at least the minimum liability insurance coverage. However, this minimum is just barely to keep you legal. In case of an accident, the money needed for property damage and medical care will quickly surpass the minimum level. And this happens quite frequently. Responsible drivers who are aware of this scenario should apply for Uninsured or Underinsured Motorist Insurance coverage. Find out more things about this policy and if you are interested in purchasing it, you should compare automobile insurance quotes first.

@ imagesThings can get pretty messy if you are involved in an accident and the guilty driver has little or no insurance at all. That driver will face and be penalized for his wrongdoing, but what about your car and the money you need to repair the car and treat injuries? First of all, you will know on the date of the accident whether the at-fault party has liability insurance. If the police investigate the accident, they will inquire into the insurance coverage details for every driver involved. If the at-fault driver does not have coverage, the police will likely inform you of this.

This is when having UIM coverage will help. The at-fault driver’s insurance will typically pay for all damages up to the policy limits, and then your underinsured motorist coverage will cover the excess amount up to the limits you select.

Generally, most insurance carriers do not allow you to purchase more uninsured/underinsured motorist coverage than you carry for your own liability coverage. Typically uninsured/underinsured motorist coverage is affordable. Insurers do not want people purchasing bare bones coverage for their own liability and loading up on uninsured/underinsured motorist coverage. It would create financial problems for the insurance companies.

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