Top What Uninsured Motorist Coverage Covers

Coverage kicks in when when one of the following has been determined:

• The negligent driver carries zero insurance.

• The negligent driver carries insurance, but below the state's required minimum.

• The negligent driver's insurance company lacks the finances to cover your injuries and/or damages.

• You're the victim of a hit-and-run driver.

Because there's no national mandate for UM (some states require it, others offer it as an option), limits are dependent upon individual state laws. To learn more, contact your local insurance agent.

Should you be hit by a negligent motorist, your UM will cover:

• Medical expenses for you and your passengers.

• Vehicle damage (not offered in every state).

• Rental car reimbursement (optional).

Top Who Needs Uninsured Motorist Coverage

You obviously need UM if you reside in a state that legally requires it. Otherwise, it's your choice. If you're unsure of your state's standing, call you insurance agent or your state's Department of Insurance.

If UM is an option, you should consider it if your current health insurance policy provides only minimum coverage. Also, take into account state statistics. If you reside in a state with a high percentage of uninsured drivers (some states, according to the Insurance Research Council, average around 25%), you may want to consider the added protection.

UM covers:

• You, the policy holder.

• Any passengers riding with you during the crash.

• Any driver authorized to operate your vehicle.

• If you're a pedestrian hit by a hit-and-run driver.

Top Where to Get Uninsured Motorist Coverage

Just about all providers offer UM. Don't settle, however. Take the time to compare quotes and policies from a variety of insurance companies. You'll discover rates vary from company to company, allowing you to find a policy that meets your coverage needs and budget.

Top How Much Uninsured Motorist Coverage Costs

Uninsured coverage is shockingly inexpensive when compared with other insurance costs. On average it comes out to at or around 10% of your entire car insurance premium.

To decide on how much coverage to carry, take a look at your existing health insurance policy. Much of what UM offers may already be covered under your current health plan, thus requiring minimum protection. But if you find that your health policy is lacking in coverage, you should then consider maximizing your UM policy.

The same thinking also applies to uninsured property damage coverage (if offered in your state).