Uninsured/Underinsured Motorist Coverage is designed to provide protection for you in case of an accident in which an uninsured driver is at fault. This includes drivers who do not carry car insurance, drivers whose insurance does not meet the state minimum financial responsibility laws, drivers whose insurance companies are insolvent, this does not cover a hit a run drivers who cannot be identified. In 21 states is currently require UM/UIM coverage, and this limits are usually the same as the liability coverage limits. In states that do not required UM/UIM, insurance companies are often required to issue such coverage unless rejected explicitly in writing.
There are many other coverage that can be purchased under you car insurance contract some are listed below ask our agents for more information and benefits.
car insurance coverage losses in case of theft, natural disaster or any other damage to your vehicle Not caused by Collision, comprehensive coverage is not required by the state, unlike liability car insurance, but is highly recommended for most drivers. If a car is leased or financed, the lender or lessor will require comprehensive coverage. An exception to this recommendation is if you have an older car, and the cot repairing or replacing it would cost more than the car is worth. Comprehensive coverage is subject to change in prices due to deductible.
Coverage covers loss that occurs when the insured auto strikes anothe vehicle or object in the event of an accident. This include objects such as guardrails or lamppost. Collision insurance coverage is not required by the state, unlike Liability Car Insurance, but is highly recommended for most driver with vehicles with less than 10 years old or if car is financed or leased. Collision car insurance is subject to a deductible and prices varies.
Coverage can be include as part of Personal Injury Protection (PIP) and covers cost of medical expenses, hospital visits and health-related costs for the policy holder and any passengers in the vehicle that result in the event of an accident. People with good medical and disability polices may elect to purchase the minimum required amount of medical coverage by the state. Some states allow to waived PIP coverage entirely.
Coverage provides an insured driver protection for bodily injury or property damage for which they are deemed responsible. Liability car insurance coverage will pay only to the third party involve in the accident if the accident is your fault, and example of coverage required by the State Of California is 15-30-5 minimum, which mean your policy will pay up 15k in case there is only one person injure and or up 30k if there is more the one.
Auto Insurance Definitions