How may uninsured motorist coverage help me in an accident?
Carrying auto liability insurance is an important responsibility as a driver. Unfortunately, not all California drivers have this kind of insurance. You might fear that an uninsured driver could hit you in an auto collision, leaving you without a way to collect compensation for damages. This is where uninsured motorist coverage can make a difference.
As Nerdwallet explains, drivers can purchase uninsured motorist coverage to add to their auto insurance policy. Even if an uninsured driver hits you, your uninsured coverage can cover your vehicle damages and medical bills up to the policy limits of the coverage.
The uses of uninsured motorist coverage
Uninsured motorist coverage is usually not expensive, so buying a policy might not financially burden you. In fact, you may save yourself tens of thousands of dollars if you experience a car crash. For instance, while you may have your own health insurance, your uninsured coverage may help pay for longer term costs that your health insurance might not cover.
Uninsured coverage may also help you in the event of a hit and run. If someone collides with you and then drives away, you might never find out who the other driver was, so you will not be able to hold the driver responsible for your injuries. In this situation, your uninsured coverage may step in and compensate you for damages.
Uninsured coverage takes different forms
If you think you have uninsured coverage, be certain that it covers the personal injuries of yourself and your passengers as well as property damage. Uninsured motorist coverage comes in two kinds of policies. Uninsured motorist bodily injury covers your medical costs while uninsured motorist property damage will pay for damage to your vehicle or other property you cover in the policy.
Hopefully, you will never have to deal with a serious auto accident, especially if the other driver lacks insurance. Still, preparing yourself for such a situation may save you a lot of money and stress if an irresponsible driver does hit you.
The post How may uninsured motorist coverage help me in an accident? first appeared on KOO LAW, APC.
The post How may uninsured motorist coverage help me in an accident? appeared first on KOO LAW, APC.