Automobile Insurance: Uninsured Motorist Coverage

In the first installment of my blog series focused on automobile insurance, we discussed the coverage in your policy which is referred to as “Bodily Injury” or “Liability” coverage. In this installment we will examine “Uninsured Motorist” coverage.

When you purchase uninsured motorist coverage you are purchasing coverage for you, and any residents in your household who are also relatives. This coverage also applies to any passengers who are in your vehicle at the time of an accident. Uninsured motorist coverage is purchased to protect you if you are in an accident with someone who does not have the liability insurance needed to cover the injuries you may suffer as a result of an accident. If the person responsible for the accident has no insurance, your insurance company will pay you what you would have been entitled to collect from the other responsible driver had they had liability insurance. With uninsured motorist coverage, you will be able to collect up to the amount of coverage you have purchased.