Why You Should Buy Uninsured Motorist Coverage

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Uninsured motorist coverage covers your own damages and injuries if you are the victim of an accident caused by an uninsured motorist.  If you don’t have uninsured motorist coverage, you will end up having to cover your own damages and injuries out of your own pocket—even though the accident may not have been your fault in any way. Your uninsured motorist coverage will not cover any damages or injuries for the at-fault party.  It is only for the damages incurred by you and your family. 

You Could End Paying for Your own Damages

Approximately 15% of motorists (according to the Insurance Research Institute)do not carry insurance and in these hard economic times, people often carry less insurance than they should because they don’t want to pay high insurance premiums. When a person without insurance is at fault for a car accident, he might get a ticket because it’s against the law, but the bottom line is if an uninsured motorist hits your car, or causes an accident, there is no insurance company to cover your damages and injuries unless you purchase uninsured motorist coverage.

A person’s health insurance will typically not cover injuries resulting from a car accident. If health insurance does cover the initial visit, it may not cover rehabilitation like physical therapy or chiropractic care.  You will likely also have expenses to cover the cost of car repair depending on the extent of the damage to your car.

Extra Costs

In addition to medical costs and property damage, there are sometimes other costs involved after a car accident that people don’t consider until it happens to them.  A person might have to miss work due to an injury following a car accident. If you don’t have insurance, or if you don’t work for a company that will give you paid time off for an injury (not many do) you will have lost wages and no way to replace that income if you don’t carry uninsured motorist coverage and the person at fault for your injuries does not carry insurance. 

If an accident victim who is normally responsible for housework is unable to do the housework, then that will have to be done by someone else.  When another person takes over the jobs or chores of an accident victim, they are referred to as replacement services. Insurance typically reimburses an accident victim for the cost spent on replacement services, but if the at-fault driver does not carry insurance, and if the victim does not have uninsured motorist coverage, the accident victim will not be reimbursed for replacement services and will have to either incur the costs of hiring someone else to do housework, or childcare, or depend on friends and family to help them through it.

Getting Legal Help

Anyone who has an accident with an uninsured motorist would be wise to consult a personal injury attorney in order to determine who should pay for the damages.  Different insurance companies may be responsible for the same accident depending on which policy covers which people involved. Insurance companies sometimes fight over who which company will pay for the damages and rather than get caught in the middle, an accident victim should talk to an attorney and find out what the law is for his state and his particular situation.