Why You Need Under/Uninsured Motorist Coverage


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If you currently have auto insurance, you’re being a responsible motorist, but not all other drivers you share the road with have that same coverage. There are several reasons why another driver may not have insurance, and not all of them have to do with being willfully irresponsible. No matter the reason, it’s in your best interest to have under/uninsured motorist coverage on your policy; otherwise, you may find yourself turning to Tully Rinckey law to help you get the compensation you need for an auto accident in which you weren’t at fault.

Head Disaster Off at the Pass

If you’re ever in an accident in which you aren’t at fault and face medical bills and a loss of wages as a result, you’ll have to hope that the other driver has enough insurance to take care of you. If that driver either doesn’t have insurance or doesn’t have enough to cover your damages, you’ll have to pay for them out of pocket. On the other hand, if you have under/uninsured motorist coverage on your policy, you’ll have less to worry about. Whenever you’re involved in a serious accident, all your focus should be on making a complete recovery, not on having to figure out how you’re going to pay for outstanding medical bills and property loss.

Two Types of Coverage

Something else to know about under/uninsured motorist coverage is that there are two types: bodily injury coverage and property damage coverage. With bodily injury coverage, items like medical coverage, lost wages and injury-related expenses are taken care of. You can also use bodily injury coverage if you’re ever involved in a hit-and-run accident. With property damage coverage, any damage done to your car is taken care of. Talk with your agent about both types so you know for a fact what’s covered and what’s not.

How Much Under/Uninsured Motorist Coverage Insurance Do You Need?

In regards to how much coverage you need, that depends on your state and whether such coverage is a requirement. Your insurance agent can help you determine this amount, and you’ll do well to check in with your agent from time to time to ensure you always meet at least the minimum requirements. That said, you could feel better having more than the minimum amount. An ounce of prevention is most certainly worth a pound of cure.

There Are Alternatives

If you find that you simply cannot afford to add under/uninsured motorist coverage to your auto insurance policy, know that you aren’t without recourse if you were to be involved in an accident with a driver who doesn’t have any insurance whatsoever or doesn’t have enough to cover everything. An attorney like Tully Rinckey can tell you that your health insurance can take care of any physical injuries you suffer in the accident. While you’ll have to take care of the deductible, it’s preferable to the cost of not having insurance at all and a mound of medical bills.

In regards to handling the damage to your vehicle, your policy’s collision coverage has you there. Again, you’ll be on the hook for the deductible (the amount of which is deducted from your claim check)  before your insurance company takes care of the rest.

Whenever it’s time for you to renew your car insurance policy, give it a careful read through to not only see that you have under/uninsured motorist coverage, but that everything else on your policy matches your current needs. If you are ever involved in an accident with a negligent driver, no matter if she or he is insured, you may be better off taking your case to an attorney who can inform you of your rights and protect them.


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