Uninsured motorist insurance is car insurance that provides coverage in the event you are involved in a car accident and the other driver is at fault and has no car insurance. Depending upon the state you live in, uninsured motorist insurance may be required for all comprehensive collision insurance policies and is may already be included in your insurance premium.
Many studies show that between 12% to 14% of all American drivers don’t have car insurance. If one of these drivers hits you, they will not have the legally mandated insurance to pay the cost of your medical expenses or the repair of your vehicle. If this happens to you, your uninsured motorist insurance policy should pay these costs on your behalf.
Insurance companies pay out on uninsured motorist insurance companies if the at fault driver does not have coverage to pay for your expenses. However, this does not mean that the at-fault driver is without liability. All states require that drivers maintain minimum amounts of car insurance and prosecute drivers that fail to do so. So, while your insurance company will pay for your medical expenses and car repair costs, the at-fault driver still may face criminal prosecution.
If you are involved in a car accident, and the at fault driver has no car insurance, you will need to file a claim with your car insurance company for coverage under your uninsured motorist insurance policy. You should be aware that more claims for coverage under this type of policy are denied then with any other type of car insurance coverage. Therefore, when making claims with these types of policies, you may want to seek the advice of an attorney.