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An uninsured motorist clause is a provision commonly found in United States automobile insurance policies that provides for a driver to receive damages for any injury he or she receives from an uninsured, negligent driver.
Uninsured/underinsured motorist bodily injury (UM/UIM BI). Protects you if you're hit by a driver who either has no insurance or insufficient coverage to pay for your medical costs.
Uninsured/underinsured motorist coverage. Protects you if you're hit by a driver who either has no insurance or whose liability coverage limits are too low to pay for your damages.
Uninsured/Underinsured coverage, also known as UM/UIM, provides coverage if an at-fault party either does not have insurance, or does not have enough insurance. In effect, the insurance company pays the insured medical bills, then would subrogate from the at fault party. This coverage is often overlooked and very important.
Uninsured motorist property damage: This coverage might pay for the damage the uninsured driver caused to your car or other property. Just like with uninsured motorist bodily injury coverage, the ...
Johns Hopkins University professor Vicente Navarro stated in 2003, "the problem does not end here, with the uninsured.An even larger problem is the underinsured" and "The most credible estimate of the number of people in the United States who have died because of lack of medical care was provided by a study carried out by Harvard Medical School.
In some states, uninsured motorist coverage is a part of your minimum coverage requirements, so there is a chance you already have it on your policy. Without uninsured motorist coverage, you could ...
You incur $25,000 worth of medical bills and carry $25,000/$50,000 in uninsured motorist coverage. Having this coverage would help you avoid out-of-pocket medical expenses. Optional car insurance ...