3 Reasons You Should Have Uninsured Motorist Coverage

Elliott M. BucknerJuly 21, 2017

Here's why you need uninsured motorist coverage.

There is a startling number of drivers who continue to drive without having any insurance coverage or having too little coverage. While this may save them a few dollars in the short run, it can drastically impact your finances if you do not have enough coverage. Most insurance carriers will automatically include uninsured motorist insurance within their policies unless you specifically ask for that coverage to be removed. If you are undecided about whether or not uninsured motorist coverage is worth it, consider the following explanations.

1. Coverage for Your Damages

If you get into an accident with an uninsured motorist and you do not have coverage under your own policy, you will most likely have to cover the expense of all damages on your own. The damages can add up startlingly fast, from medical expenses to vehicle repairs, loss of wages, not to mention any pain or suffering you experience because of the accident. You may choose to take legal action against an uninsured motorist if the accident was their fault, though the likelihood of that person being able to repay for your damages when they probably couldn’t afford insurance in the first place is slim. Instead, paying for uninsured motorist coverage from the get-go can provide you with the financial coverage you need and prevent you from added stress if you ever find yourself in such an expensive situation.

2. Protection for Your Passengers

Just like you, your passengers will also be left on their own to pay for any medical bills or property damage caused in an accident with an uninsured motorist. In some situations they may try to take on the financial burden themselves, paying for their own medical expenses out of pocket and dealing with a cut to their income while recovering. However, in some instances passengers may take issue with the driver, asking you to pay for their injuries or other damages. Obtaining coverage for uninsured motorists, however, will typically cover the damages caused to anyone else in your vehicle.

3. It Can Help You in Other Accidents, Too

Uninsured motorist insurance can also be used for other accidents as well, such as accidents with underinsured motorists, or drivers with poor insurance coverage. There are plenty of insurance policies out there that really only provide coverage in name. For example, some insurance policies may not cover the entire cost of damage caused by the accident, or the driver’s insurance company may have denied their claim. So, what happens if you get into an accident with someone who made the mistake of investing in an insufficient policy? With uninsured motorist insurance, you can use your own coverage to make up the difference between the other motorist’s insurance gap and what you require.


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