All About Uninsured Motorist Property Damage
All agents should recommend this uninsured motorist protection to their clients. For what it cost, it is well worth every penny. Understanding what is covered on your policy is very important. For drivers that do not want to take the next step and purchase comprehensive and collision protection, more commonly know as full coverage. This might be the way to go. Those who have are fully covered might still consider purchasing U/M in order to be eligible for a collision deductible waiver. What this waiver does is just that. If the insured is involved in an accident or hit and run caused by an uninsured driver the collision deductible needed to start repairs will be waived. Of course in a hit and run situation both the driver and vehicle must be identified. If you only have liability with UMPD your policy will cover your vehicle for up to $3500.00 of property damage caused by an uninsured motorist.
What Uninsured Motorist Bodily Injury Covers
There are many options in selecting how much bodily injury coverage needed for the driver and his/her passengers to protect from an uninsured driver. Most of the time it is equal to the amount of coverage purchased for liability. However, the insured is not limited to that amount. If you are not sure on what coverage amount to select ask your agent. Insurance professionals are there to assist you and help you for all your insurance needs. Uninsured motorist is just like any insurance. You never know if something will happen. Uninsured motorist protection will help prepare for these unexpected events and further protect you from the millions driving without insurance today. Many drivers fall victim to uninsured motorist and are left without a vehicle and/or costly medical bills. A hospital stay can easily reach several thousand dollars. Not to mention if any passengers were injured in the accident. Remember that this protection only covers when the driver is not at fault. Additional coverage known as medical payments may be purchased to protect the driver from medical expenses caused by and at fault accident. Medical payments cover $5000.00 or more of the medical expenses depending on the amount of coverage selected. Always prepare yourself properly. Insurance protects you from total loss and helps return the insured to similar status before the accident occurred. Make sure you have the right coverage before it’s too late. To get free quotes for uninsured motorist coverage simply enter your zip code at the top of any page on this site and when filling out the form simply select that you would like UMBI and UMPD.