How Does Uninsured Car Insurance Work?

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# car insurance1Drivers in most states are legally required to carry auto liability insurance coverage. However, one in eight drivers on U.S. roads is uninsured, according to the Insurance Information Institute (III). And being in an accident with just one of them could put you at financial risk. This is why it is wise to purchase uninsured car insurance.  Find out more about how uninsured car insurance work does and consider getting online insurance quotes auto from us.

Uninsured motorist insurance is a component of your car insurance, which protects you, your passengers and your car in the event of injury or damage when an at-fault driver has no auto insurance.  The purpose of uninsured motorist coverage is to pay for your medical bills and property damage expenses in the event the at-fault party in your car accident case does not carry any automobile liability insurance. Essentially, underinsured motorist coverage is designed to fill the gap between what your bills and expenses are following a car accident and the insurance coverage limits that the at-fault driver’s policy provides.

Uninsured/underinsured motorist coverage is one of four components to a well-rounded auto insurance policy. The other major components are liability, collision /comprehensive and MedPay/PIP.

The national average for uninsured drivers on the road is 12 percent. That might seem like a small number, but that means at a busy intersection, there’s likely to be at least one uninsured driver. In some states, that rates increases significantly. For instance, nearly one in four drivers in Oklahoma is uninsured. There’s also a related protection called underinsured motorist coverage. You may find that, in some states, uninsured and underinsured motorist coverage are bundled together and offered as a single protection on your car insurance policy.

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