With the number of uninsured drivers increasing today, it is a must for you to protect yourself from those drivers, who have reached as high as 25% of all drivers. You can protect you, your loved ones, and your assets by purchasing Uninsured/Underinsured Motorist (UN/UIM) Direct auto insurance rates on your auto insurance policy. This coverage will pay for your injuries and damages to your property when you are involved in an accident with someone who does not have any auto insurance, if they are at fault. Also, a hit and run driver also falls into the category of uninsured if someone has injuries. But, if you car is parked by the curb and is swiped by a hit and run driver, the damages would not be covered. Someone in the category of underinsured drivers are those that have purchased their states minimum insurance requirement but their auto insurance coverage was not high enough to pay for the damages to your vehicle.
It is very important to purchase this type of insurance as it protects you and your property from the many drivers that have no or very little insurance. This is an inexpensive type of insurance, especially when you look at the money and grief it can save you. If a driver doesn’t have insurance, that usually means they don’t have much money so suing them wouldn’t do you much good.
There is also uninsured motorist property damage (UMPD) which will protect your car from uninsured motorists without having to pay a large premium, such as with collision. Also available is uninsured motorist bodily injury (UMBI) which applies to when you are a pedestrian and are hit by a driver without insurance. Your medical payments or your health insurance will pay for the treatment of your injuries, but they won’t pay for your lost wages. UMPD will pay for lost wages along with your medical expenses.
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