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Why you must have uninsured motorist insurance
Why do you need uninsured motorist coverage?
It’s something we all hope never happens, but unfortunately, cyclists can be seriously injured by drivers who don’t have insurance or who only have the minimum liability coverage required by law. In some states, this minimum is as low as $10,000, which may not even cover basic medical expenses after an accident. Additionally, there are hit-and-run drivers who leave the scene and can’t be identified.
In these situations, your uninsured motorist (UM) coverage can help pay for your medical expenses and other damages when the at-fault driver doesn’t have enough insurance or no insurance at all. This coverage acts as a safety net, ensuring that you’re not left to bear the full financial burden of someone else’s negligence.
How it works
Let’s say you have $100,000 in UM coverage on your auto policy. If you’re involved in an accident with a driver who only has $10,000 in bodily injury liability coverage, you would first receive $10,000 from the at-fault driver’s insurance. Then, your own UM coverage would kick in, allowing you to recover up to the remaining $90,000. This helps bridge the gap when the other driver’s insurance isn’t enough.
However, if your UM limit is only $10,000, you won’t be able to claim more than that, even if your injuries exceed that amount. It’s important to note that filing a UM claim doesn’t affect your car insurance rates, since it’s designed to protect you from the fault of others.
UM coverage is generally affordable and offers great value for the price. At Velosurance, we always recommend choosing the highest UM limits you can afford. Your UM coverage could be your only source of compensation if the other driver is underinsured or uninsured.
In some states, you don’t even need to own a car to benefit from UM coverage. As long as you’re a household member and listed as an additional insured on a family member’s or household member’s auto policy that includes UM coverage, you can still get protection.
To file a claim under your UM insurance, several conditions must be met:
- There must be direct contact between you and the vehicle.
- The vehicle must be found at fault for the accident.
- A police report must be filed.
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