We all drive from here to there hoping to avoid an accident, but if we were to have some bad luck, at least we have auto insurance, right? Unfortunately, not everyone is responsible enough to have coverage. If you end up in a crash with one of those uninsured jerks, who is going to end up paying the bills?
Our independent agents are here to educate and protect. They’ll make sure you have the proper uninsured motorist coverage to keep the wheels turning and your bank account intact.
Uninsured motorist bodily injury coverage protects you and your passengers financially in the event of an accident with someone who doesn’t have car insurance or is delinquent in making their car payment.
Uninsured motorist coverage versus underinsured motorist coverage is exactly how it sounds, but to spell it out, here is how they’re different.
Technically, no. However, some states require this type of coverage in standard auto policies: Connecticut, District of Columbia, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia , West Virginia and Wisconsin.
Don’t freak out, if you live in a state that doesn’t require uninsured motorist coverage, you can still choose to add it to your auto policy.
Not only does uninsured motorist coverage protect you if you happen to get hit by the bad luck bear, it will also help to pay for medical costs, pain and suffering, and lost wages associated with the accident.
If you live in a mandatory insurance state, your insurer may automatically add the minimum amount to your auto policy. If it’s not required or want to add to the minimum, it’s recommended to have at least $100,000 per person and $300,000 per accident.
Whether you get in an accident with an uninsured driver or an underinsured driver, uninsured motorist
coverage will help pay for a number of expenses to get you back on the road with all your body parts intact.
In most cases, uninsured motorist coverage should cover a hit and run, but it's a case-by-case basis and you’ll want to work with your insurance agent in light of a hit and run.
The cost of an uninsured motorist policy depends on a number of factors including location, age, and the amount of coverage you choose, but on average it will be around $50 a year. An important thing to remember about cost and coverage is that it cannot exceed your auto liability policy.
Example: If you purchased $100,000 bodily injury, $300,000 per accident and $50,000 property damage coverage, uninsured motorist and underinsured motorist (combined coverage) cannot exceed $100,000/$300,000 for bodily injury.
Yes. Uninsured motorist bodily injury coverage can pay you for loss of time at work, medical payment to assist with the deductible. It can also cover services like acupuncture and chiropractor visits, that may not be covered under your health insurance plan.
Our agents can help you determine the right amount of uninsured motorist coverage and will walk you through a handpicked selection of sweet policy options. Not only that, they’ll cut the jargon and clarify the fine print, so you know exactly what you’re getting.
Most importantly, they’ll be there to help you file a claim. The outcome of insurance claims can be strongly impacted by how the process is approached and handled.
Our gifted agents will review your needs and help you evaluate the best uninsured motorist coverage for you. They'll also compare policies and quotes from multiple insurance companies to make sure you have the proper protection to keep you safe.