What Is Uninsured Motorist Insurance?

In the event of a car accident, the person at fault may be responsible for paying damages to the other party involved. However, if the other party is unable to pay, their uninsured motorist insurance company can step in and cover the costs.

Types of Coverage

• Uninsured Motorist Insurance (UMI): This type of coverage protects you against damages or losses incurred by another driver who does not have insurance or has insufficient coverage.
• Collision Coverage: This type of coverage includes damages to your vehicle, as well as liability for any injuries or damage to others.

What Does UMI Cover?

Coverage In An Auto Accident Scenario

1. Liability: If you are at fault in an accident and the other party is injured, their insurance company will typically pay for medical expenses and lost wages.
2. • A vehicle that was driven by a passenger who does not have a valid driver's license or fails a written test may not be covered.

Conclusion

Get Educated About Uninsured Motorist Insurance

Uninsured motorist insurance can seem intimidating, but understanding its purpose and types of coverage can help you navigate the process. By taking this knowledge, you can better protect yourself in an auto accident scenario.

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