Do You Need Uninsured Motorist Insurance Coverage?
Posted by Tom Carolan on Fri, Jun 18, 2010 @ 04:54 PM
Well, depending on the state in which you live, it may be most important to have that type of medical insurance. For example, in Arizona, approximately one out of four drivers do not have auto insurance.
Uninsured Motorist Bodily Injury insurance coverage covers the driver and members of your household that are insured, and any passengers in your vehicle. It covers any bodily or injuries to you personally, any damages, and even a death that results from an uninsured driver, or a driver that has hit and run. When you have a car crash that is the fault of the other driver, and that driver doesn't have any insurance, then this coverage covers your medical costs, to an amount that is stated on the coverage certificate.
When the driver of the other auto is uninsured, this policy will pays up to a certain dollar amount, which is chosen by the buyer of the policy. The plan maximums are the most amounts that'll be paid for each person, per accident, respectively.
People that do not have any health insurance need to purchase this coverage, because if the maximum limits bought by the driver are not enough, then the driver will have to pay any additional amounts.