How Can I Get Uninsured Motorist Insurance?

Uninsured motorist insurance is a type of auto insurance that protects you and your passengers from financial losses caused by an accident with an uninsured or underinsured driver. It's an essential coverage that can provide peace of mind and financial protection in the event of an accident.

Why Do I Need Uninsured Motorist Insurance?

According to the Insurance Research Council, there were an estimated 13.8 million uninsured drivers in the United States in 2021. That means that one in every eight drivers on the road is uninsured. The chances of being involved in an accident with an uninsured driver are higher than you might think.

If you're in an accident with an uninsured driver, you could be left with significant financial losses, including:

• Medical bills
• Lost wages
• Property damage
• Pain and suffering

Uninsured motorist insurance can help cover these costs and protect you from financial ruin.

How Do I Get Uninsured Motorist Insurance?

Uninsured motorist insurance is typically offered as an add-on to your auto insurance policy. You can purchase it from your insurance company or through an independent insurance agent.

When you're shopping for uninsured motorist insurance, there are a few things you need to keep in mind:

• The amount of coverage you need. The amount of uninsured motorist insurance you need will depend on your individual circumstances. You should consider your financial needs and the cost of medical care in your area.
• The type of coverage you want. There are two types of uninsured motorist insurance: bodily injury coverage and property damage coverage. Bodily injury coverage pays for medical bills and other expenses related to injuries sustained in an accident with an uninsured driver. Property damage coverage pays for damage to your vehicle caused by an uninsured driver.
• The cost of coverage. The cost of uninsured motorist insurance will vary depending on the amount of coverage you need, the type of coverage you want, and your insurance company. Be sure to shop around and compare quotes from different insurance companies before you purchase coverage.

Is Uninsured Motorist Insurance Required?

Uninsured motorist insurance is required in some states, but not all. In states where it's required, you must purchase uninsured motorist insurance in order to register your vehicle.

Even if uninsured motorist insurance is not required in your state, it's still a good idea to purchase it. Uninsured motorist insurance can provide you with peace of mind and financial protection in the event of an accident with an uninsured driver.

Uninsured motorist insurance is an essential coverage that can protect you and your passengers from financial losses caused by an accident with an uninsured or underinsured driver. It's a good idea to purchase uninsured motorist insurance, even if it's not required in your state.

If you have any questions about uninsured motorist insurance, be sure to talk to your insurance company or an independent insurance agent.