Uninsured/underinsured motorist coverage is a great way to protect yourself from financial losses due to an accident with an uninsured driver. It provides protection against economic losses resulting from injuries sustained in car accidents anywhere in the United States or Canada. It also pays for medical expenses and repair costs when an uninsured driver causes a car accident. Even if coverage for uninsured drivers isn't mandatory in your state and can be refused, it's great to have coverage that protects you in the event of an accident with an uninsured driver.
In certain states, such as Connecticut, the District of Columbia, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Jersey, New York, North Carolina, North Carolina, North Dakota, Oregon, Rhode Island, South Carolina, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin require coverage. Under this coverage, your insurer provides you and all family members living in your home with protection against economic losses resulting from injuries sustained in car accidents anywhere in the United States, its territories and possessions or Canada. It's cheaper to get more protection against uninsured drivers without having to buy higher liability limits for yourself. In addition, USAA offers auto insurance in all 50 states and can meet any coverage requirements for uninsured or underinsured drivers. New Hampshire doesn't require car insurance but if you buy a policy as most residents do it should include coverage for uninsured drivers. If you don't have your own policy and you're not covered by a family member's policy in your household and if you're injured as a pedestrian by an uninsured vehicle or by a driver who hits the road or by being an occupant of an uninsured vehicle in New York State you may still be eligible for uninsured motorist protection and no-fault coverage. Since uninsured motorist insurance can be very affordable and your liability insurance alone won't protect you against an uninsured motorist UM is worth considering for most drivers.
UM can also pay for other things that aren't included in comprehensive and collision coverage such as funeral expenses compensation for pain and suffering and lost wages if you can't work because of the car accident. If you already have a policy with higher liability limits it will provide you with coverage when you rent a car. It's good to understand how uninsured driver claims generally work so you're not surprised if you get less than you expect. When buying insurance it is important to check with your insurance company agent or broker if your policy provides bodily injury liability coverage to your spouse. Depending on where you live there may be options to accumulate coverage for uninsured motorists. USAA offers auto insurance in all 50 states and can meet any coverage requirements for uninsured or underinsured drivers. Uninsured/underinsured motorist coverage is a great way to protect yourself from financial losses due to an accident with an uninsured driver.
It is also worth considering even if it is not required by law since it is relatively affordable and provides additional protection against uninsured drivers. It is also important to understand how uninsured driver claims generally work so that you are not surprised if you get less than expected. Uninsured/underinsured motorist coverage is a great way to protect yourself from financial losses due to an accident with an uninsured driver.
