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Uninsured Motorists

The Insurance Research Council estimates that one in seven drivers on the road today could be uninsured. During difficult economic conditions many people simply cannot afford to pay for car insurance. So what can you do to protect yourself? Here are a few things you may not know about your automobile insurance policy and uninsured motorists:

What are Uninsured and Underinsured Motorist Insurance?
Uninsured motorist insurance provides coverage to a policy holder when the at-fault party does not have auto insurance.

Who does it cover?
It provides coverage not only to the occupants of your vehicle but also to any family member residing in you home when they are injured in a motor vehicle accident. Even if they are a passenger in someone else’s vehicle, a bicyclist, pedestrian or in the event of a hit and run accident.

What losses are covered?
Uninsured motorist insurance is intended to compensate for your financial losses such as medical expenses and loss of income. It also provides compensation for pain and suffering and other non-economical losses.