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What is Uninsured Motorist Coverage?

If you’ve ever been unfortunate enough to get into an accident with a driver who is uninsured or underinsured, and they were at fault, you know how valuable uninsured/underinsured motorist coverage is. If this has happened to you and you did not have uninsured motorist coverage, you likely had to cover all damages yourself, which can easily be financially devastating. However, if this situation occurred and you were equipped with uninsured motorist coverage, your coverage would kick in and cover medical and property damage costs for you.

As unlikely as it might seem to get in an accident with an uninsured driver, it’s important to be aware that 1 in 8 drivers is uninsured. To add to that, many drivers purchase only the state minimum in insurance -- and in many cases, this minimum is not enough to cover all costs of an accident. While uninsured motorist coverage is not required in all states, it can truly be a financial lifesaver.

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Is Uninsured Motorist Coverage Worth It?

If you’re living in a state that does not require it, uninsured motorist coverage may just seem like an extra cost you don’t need. Be aware, however, that many drivers on the road do not have the insurance necessary to cover all costs in an accident, and these are cases when uninsured coverage would be incredibly helpful. As mentioned above, the state minimum in many states is just that -- the bare minimum, not enough to cover all costs of a serious accident. You might not want to rely on other drivers to purchase adequate insurance.

Whether this type of coverage is the right choice for you or not is up to you. For any driver hoping for added protection, uninsured/underinsured motorist coverage is a great option that can end up saving you a lot of money down the road.

Stay safe on the road and get uninsured motorist coverage today. Check rates with Direct and start saving now!

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