What is Uninsured Motorist Insurance?

People Going Over Car Insurance

Except for Florida, most states require car owners to have liability insurance in case they get into an accident in which they are at fault. Liability insurance protects victims of an accident and covers expenses like hospital bills, car repair, and lost wages.

Despite the legal obligation of Mesa drivers to possess liability insurance, not all do. If you get in an accident you are not at fault for and the driver responsible doesn’t have liability insurance, you must pay for all the expenses you incur. But if you have uninsured motorist insurance, it will cover the cost of an accident if the driver at fault does not have liability insurance. This extra protection against future expense is a good investment for drivers to consider when purchasing a . Read on to learn more about uninsured motorist insurance, or contact us for more insurance options. 


How Does Uninsured Motorist Insurance Work?

Wondering, “What does the uninsured motorist coverage cover?” The short answer is that it covers your expenses if the at-fault driver does not own liability insurance.

Typically, in the case that you get into an accident near Glendale, your next course of action is to contact the at-fault driver’s insurance company. However, if the at-fault driver does not have insurance, then you have to pay for your expenses. If you have uninsured motorist insurance, your insurance will cover the cost of your medical bills and car repairs. 

Underinsured Motorist Insurance

What does the uninsured motorist coverage cover? It helps protect you if the at-fault driver has insurance, but not enough to cover the cost of your medical bills, car repair, and lost wages. Possessing underinsured motorist insurance will cover the difference of the underinsured driver. 

What Does the Uninsured Motorist Coverage Cover? 

Uninsured and underinsured motorist coverage acts as regular liability insurance in the case that the at-fault driver doesn’t have liability insurance. There are two types of uninsured and underinsured motorist insurance, and they are as follows: 

  • Underinsured/Uninsured Motorist Property Damage Coverage (UMPD): Covers damages to your vehicle. 
  • Underinsured/Uninsured Motorist Bodily Injury Coverage (UMBI): Covers expenses like hospital visits, physical therapy, and lost wages.

Explore Car Insurance Options at Cactus Jack's Auto

“What is uninsured motorist insurance,” is one of many questions our finance department can answer. Learn about financing a car and other car buying tips with Cactus Jack's Auto! If you’re looking for a used car in the Avondale area, visit Cactus Jack's Auto for competitive pricing and stellar customer service! 

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