What Is Uninsured Motorist Coverage & Why Do You Need It?

Uninsured motorist coverage protects you should you be hit by a driver who does not carry insurance. In many states, uninsured motorist coverage is not required. In Illinois it is automatically written in to policies, even ones that are liability only.  They are written in at the legal minimum requirement, so make sure to check your limits.

Think about this – You get in a car accident and the person who hit you does not have auto insurance. You now have medical bills caused by someone else who has no insurance to pay for them. What do you do? Well if you have uninsured motorist coverage, your insurance will kick in and take care of it. It will cover you and your passenger’s medical expenses, pain and suffering and even lost wages if necessary.

Uninsured motorist coverage is a very good thing to have included in your insurance policy. Statistic show that 1 driver out of every 7 in the United States are currently uninsured.

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