Uninsured motorist insurance is a topic that raises a lot of questions. In California, almost one in every three drivers is uninsured or inadequately insured. An uninsured or underinsured motorist causes almost one in every two collisions. In addition to not being properly insured, uninsured motorists tend to drive unsafe cars, neglect maintenance and are found to be the least careful drivers on the road.
What Is An Uninsured Motorist?
Collisions with uninsured motorists can be a costly incident. Luckily, personal auto insurance policies should come with uninsured motorist coverage to protect you from uninsured drivers. Uninsured motorist coverage is there to cover you for losses sustained to you and/or your vehicle caused by another driver who is uninsured or underinsured. It is recommended to verify whether you are covered for uninsured motor insurance with your insurance provider.
Your uninsured motorist policy should be comprehensive. Generally it will cover you and those members of your family who live on your property or are members of your household including children who are away at college. The uninsured motorist coverage also applies to any passengers in your car or another driver of your car who is driving with permission.
Hit and Run Insurance
If you are involved in a hit and run accident your uninsured motorist insurance will cover you for your injuries but it will not cover damage to your car. For damage to your car to be covered you must be able to show it was caused by an uninsured driver.
What Limit Should I Carry?
Uninsured motorist is an important coverage that is rarely discussed. Your agent help you determine what limit is best for you based on your individual needs. If you do not have medical insurance or disability insurance you should consider higher limits. For more important information about uninsured motorist insurance and how to determine the best limit for you, visit our blog “3 Considerations When Purchasing Uninsured Motorist Insurance”.
Contact Sutherland-Scherff today for further details on uninsured motorist insurance.