As per the recent data from the Insurance Research Council, one in eight drivers doesn’t carry car insurance. And what to do if you are injured in a car crash caused by a driver who does not have any car liability insurance? You will be stuck with some unwanted expenses such as medical bills and health insurance deductibles.
In case you sustain severe injuries, you may lose your valuable wages too. Uninsured motorist coverage is one of the types of insurance coverage that helps in alleviating this problem. It includes paying for medical bills and other charges for you and your passengers if you’re in a car accident caused by:
A driver who does not have sufficient liability insurance to meet your medical bills.
A driver who does not carry any liability car insurance.
A driver whose insurance company refuses coverage or goes out of business.
Uninsured Motorist Coverage Can Pay For:
Lost wages because you cannot work because of the injuries sustained in the accident
Pain and suffering compensation
Some states need uninsured motorist coverage, while other states expect your insurance company to offer you the coverage that you can typically reject in writing if you don’t need it. If it’s voluntary in your state, it’s worth considering because Uninsured Motorist is usually a good coverage to have.
Uninsured Motorist Coverage Limit
Uninsured Motorist coverage is usually denoted as two numbers, such as 100/300. This interprets to:
$100,000 bodily injury coverage per person. $300,000 bodily injury coverage per accident.
So if you have 100/300 and four passengers are hurt, with high medical bills, your highest UM payout is $300,000. However, you can generally turn to health insurance after your UM coverage is used totally. Contact an experienced attorney for help working with insurance companies to get the compensation you deserve.