CHEAP CAR
INSURANCE

Uninsured Driver Coverage

Uninsured driver coverage is a protective area of an auto insurance policy that shields the covered policyholder from financial loss in the event of an accident with an at fault driver who is uninsured. This coverage also applies in hit and runs, which car insurance companies typically treat as uninsured cases unless the fleeing individual is ever caught. Legally mandated in some states but optional in others, this coverage essentially provides the exact same insurance protection included in an auto liability policy, only it is intended for the covered driver and vehicle instead of the other driver and car.

When Uninsured Coverage is Applied

Uninsured driver coverage, also known as uninsured motorist coverage, comes into play when the at fault driver in a car accident either flees the scene or is found to have no insurance coverage whatsoever. This is not to be confused with underinsured drivers, accident circumstances in which the negligent driver has coverage but not at a sufficient level to handle all liability costs. These cases are handled by underinsured driver coverage.

As mentioned previously, uninsured driver insurance is required by some states. There are bodily injury and property damage sections of coverage, and some states only require one of the two, although there are others that require drivers to carry both. This requirement might seem a bit taxing on the drivers who are actually keeping the law because it appears as though it forces them to also basically pay for the insurance premium of the uninsured as well.

Significance of Uninsured Driver Insurance

And while this may be true on some level, the intent of this particular mode of coverage is not to punish law abiding citizens at all but rather to give them a low cost way to prepare for difficult accident circumstances and to make sure they are covered financially if and when these accidents do happen. It is true that as claimants we could take negligent drivers to court to go after damages if we could find them. But there is no guarantee of winning, and most folks really don't have the time required to do something like this anyway.

Getting covered with an uninsured policy (along with supplemental underinsured motorist protection) allows the covered driver to be ready for any situation on the road. As covered policyholders we can claim damages on our vehicles and get coverage for our medical needs, depending on the specifics of policies sold where we live. These specifics do vary by state, so anyone who is interested needs to investigate and find out more.

Learn About Uninsured Coverage Pricing

Whether or not this area of protection is required by your home state, it is a very important part of a policy to explore, and can be very beneficial for those who choose to include it in their policies. We can learn all about pricing by simply getting quotes on uninsured driver coverage from local insurers in our local areas. Whatever part of the country you live in, you can find insurers who are licensed to sell policies in your home state and get your questions answered about the cost of coverage.

Look at free quotes on car insurance by completing the form at the top of this page. Gain insight into what it takes to add uninsured motorist insurance to a policy. This coverage is important and very useful, a worthwhile insurance investment. Over time, drivers who carry this endorsement often come into situations where it plays a part in their coverage. Get the best protection you can and add uninsured driver coverage to your policy.