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Auto Insurance is there to protect your assets. Auto insurance will help you take care of medical bills, the cost of reparation for vehicles involved, and even sew costs (this may vary, depending on the insurance plan you have selected) should an accident occur.

Drivers Uninsured or Underinsured

Most people in fact, do need uninsured motorist insurance, and you are probably one of them. We advise all drivers to carry adequate auto insurance. Unfortunately, in the real world, not everyone follows that advice! Uninsured motorist coverage, usually seen on an auto insurance policy as "UM", protects you from those individuals who are driving around without any, or without enough liability insurance to cover your injuries or damages in the event of an accident.

The uninsured motorist coverages that are available, and that may be required where you live vary from state to state. You may be able to purchase uninsured motorist, and under insured motorist insurance as separate options, but they are usually lumped together. In general uninsured and under insured motorist coverages are designed to pay for your medical bills, lost wages and any damages for pain and suffering as a result of injuries sustained by a driver who does not have adequate insurance coverage or assets to cover  your losses. UM does not usually pay for property damage, or damage to your vehicle caused by uninsured or underinsured drivers. However, some states do offer uninsured motorist property damage insurance, which can cover such damages.

Do I Have To Have It?

Some states do actually require that you carry uninsured motorist insurance. In others it is only an option. Even in those states where it is not required; uninsured motorist insurance is still a very good idea.  A recent study found that over 15% of drivers on the road today are driving without even the minimal amount of liability insurance required by law. A much greater percentage does opt for only what is required to drive legally - and that is often woefully inadequate in the event of an accident. Without uninsured motorist protection, you will have to foot the bill for anything the at-fault person does not have enough insurance to cover. Also, if you ever sustain injuries in a hit and run accident, where no at-fault driver is ever determined, UM can pay for your damages.

Like all liability auto insurance coverages, you get to select the limits for your uninsured motorist coverage. As in bodily injury and property damage auto insurance, UM is also usually expressed in split limits. For example $15,000/$30,000 means that you are covered for $15,000 for each person who does not have insurance that has caused you injury, up to $30,000 for the accident.

It is usually relatively inexpensive to add UM as an optional converge to your auto insurance policy, and for what it provides it should not be overlooked. The Vice President of the New York based Insurance Information Institute (I.I.I.), Carolyn Gorman is on record as saying, "You absolutely need this coverage, because, if you get into an accident with someone who is driving without insurance or doesn't have enough of it, you want to be made financially whole again. You have to protect yourself fiscally and physically, and uninsured/underinsured motorist protection can help you in that regard."

Why Car Insurance?

First reason why you need Auto or Car Insurance is because it is required, in almost all 51 States, to have auto liability insurance.

Auto Insurance is there to protect your assets. If you are involved in a car accident, auto insurance will help you take care of medical bills, the cost of reparation for vehicles involved, even sew costs (this may vary, depending on the insurance plan you have selected).

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