Do I Need Uninsured Motorist Coverage?

Choosing auto insurance policies is often a difficult task. Vehicle owners have to put into consideration how much of the premium they want to pay and ensure they are choosing coverages tailored to their needs. One of the most beneficial and necessary policy is uninsured or underinsured motorist coverage.

Understanding the benefits and protection this policy can provide may help facilitate the process in selecting the right form of auto insurance coverage you purchase.

What Is Uninsured Motorist Coverage?

Uninsured Motorist is a clause that covers the property damage and injuries, the vehicle owner sustained in a car accident caused by an uninsured, negligent driver.
Even though it is mandatory for motorists in California to have liability coverage, there are still many uninsured drivers.

There are three types of uninsured motorists as defined in the clause, which are:

  • A driver who does not have liability coverage for the vehicle they are operating
  • A hit-and-run car driver that has been unidentified
  • A stolen vehicle is considered uninsured from the moment it has been stolen

If you are a victim of a car accident involving a driver from any of the instances above, your uninsured motorist coverage can come into play, allowing you to receive compensation for damages.

What Does Uninsured Motorist Protect Me From?

Knowing what uninsured motorist is, you may wonder how the policy will protect you.

As the stated above, the clause covers property damage and injuries. Yet, it’s important to know a few extra facts regarding bodily injury coverage.

There is uninsured and underinsured motorist which can benefit your bodily injuries.

  • Uninsured motorist: covers medical expenses, lost wages, and other injury related expenses when the uninsured driver is found negligent or liable for the traffic collision.
  • Underinsured motorist: protects the driver with financial compensation if the other driver only had liability insurance and was found to be negligent or if the vehicle is worth less than the victim’s liability coverage.

Adding uninsured motorist to your car insurance will be helpful in the instance you are struck by a driver without proper insurance. Car accidents are unpredictable and you can’t assume all drivers are insured.

Being involved in a vehicle collision with an uninsured motorist can be stressful. At Bergener Mirejovsky, we want to help lift the weight off your shoulders. Our experienced accident attorneys know what it takes to make sure your rights are protected.

To learn more about your options, contact us for a free consultation at 1-800-881-2021 any hour of the day.

That means we charge you nothing unless we reach a successful settlement of your claim. If we don’t get you compensated for your damages, you don’t pay us a dime.