What Is Covered Under an Uninsured Motorist Policy?
Uninsured motorist coverage protects you in the event that you are involved in a motor vehicle accident and the at-fault driver does not have car insurance or is underinsured or if you are the victim of a hit and run. Uninsured coverage will pay for repairs to your vehicle, as well as medical payments for you and your occupants.
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Uninsured/Underinsured Motorist
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An uninsured motorist is defined as someone that operates a motor vehicle without carrying automobile insurance or carries insurance where the limits of liability are too low. This is illegal in all states and can carry a stiff fine if caught.
State Coverage Requirements
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State-required insurance only includes liability coverage, meaning that drivers must carry insurance that will pay for repairs to private property, as well as cover injuries to the other party, in the event of an at-fault accident. Uninsured motorist coverage is optional.
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When is Uninsured Coverage Utilized?
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If a motorist is involved in an accident with another driver that is not carrying insurance where the uninsured driver is at fault, uninsured motorist coverage would pay for the damage to the covered vehicle.
What Happens if There is No Uninsured Motorist Coverage?
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If a driver chose not to carry uninsured motorist coverage and is involved in an accident where the at-fault driver is not insured or is underinsured, then the insured driver would be required to pay for repairs out of pocket and sue the at-fault driver for reimbursement.
Hit and Run
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Hit and run accidents are also covered by uninsured motorist coverage since the at-fault driver cannot be identified.
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