Uninsured/Underinsured Motorists Insurance: Why You Might Need It Jacksonville FL

Depending on the state and the auto insurance provider, uninsured and underinsured motorist coverage may be sold separately. Driver’s can purchase any amount of coverage they choose, but most insurance providers recommend purchasing the same amount as their Bodily Injury Liability limits.

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Uninsured/Underinsured Motorists Insurance: Why You Might Need It

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It is estimated that 16% of all drivers on the road in the U.S. are uninsured. It is also estimated that in 25% of all reported accidents, the at-fault person was uninsured or underinsured. Unfortunately, in most states, the minimum auto liability requirements are rarely enough to cover more than a minor fender bender. Consider this: at nearly 23 million driver’s, California has more cars on the road than any other state, yet it has some of the lowest auto insurance requirements in the country. At $15,000 for injury/death to one person, $30,000 for injury/death to more than one person, and $5,000 for damage to property (15/30/5), the state’s minimum requirements are inadequate when compared to the average cost for a 5-day hospital stay ($30,000+) and the cost for a new sedan, SUV or luxury vehicle ($28,000-$150,000+).

At 50/100/25, Alaska and Maine nave significantly higher requirements, but in the unfortunate event of a serious collision, these amounts might not be enough to cover all of the damages. States like Wisconsin (25/50/10) and New Hampshire (25/50/25) do not have mandatory insurance laws, but rather recommended minimum amounts. Because the mandatory and recommended minimum amounts are rarely enough, many auto insurance providers and even state insurance agencies recommend carrying higher amounts than the bare minimum. In addition, most auto insurance providers recommend carrying uninsured/underinsured motorist (UM/UIM) coverage.

Uninsured/underinsured motorist coverage is an auto insurance option that provides the policyholder with coverage for property damage and bodily injury caused by an uninsured or underinsured motorist. In cases of uninsured drivers that the injured party cannot collect damages from, the injured driver will be covered up to the amount specified in the policy. In cases involving underinsured motorists, the policy will compensate the injured party for the difference between injury and damages suffered and the liability covered by the insurance of the at-fault party.

According to AutoInsurancetips.com, depending on the state and the auto insurance provider, uninsured and underinsured motorist coverage may be sold separately. Driver’s can purchase any amount of coverage they choose, but most insurance providers recommend purchasing the same amount as their Bodily Injury Liability limits. To ensure that you purchase the right amount of coverage, it is important to provide the following information to the insurance agent or representative when shopping for auto insurance: age, gender, employment, usage, number of drivers, driving record, address, and the year, make, and model of the vehicle. Most auto insurance companies will also ask for your social security number in order to obtain a credit report.

For more information about uninsured/underinsured motorist (UM/UIM) auto insurance requirement, visit your official state insurance department website or AutoInsurancetips.com.

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