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Auto Insurance and Bodily Injury Coverage

By Compuquotes Team on March 27th, 2008

Auto Insurance

In most of the United States it is illegal to drive without auto insurance. However, that doesn't mean that some motorists don't still drive without auto insurance, because of this uninsured and underinsured motorist bodily injury insurance coverage was created.

Uninsured and underinsured motorist bodily injury insurance coverage pays for your medical expenses as well as lost wages and damages for people (policy holders and authorized drivers) who are in an accident that is caused by a driver with no auto insurance or inadequate insurance.

The costs that are covered for uninsured motorist collisions are based on the limits that you choose when you purchase your auto insurance. The costs that are covered by your insurance will be the difference between the other driver's auto insurance coverage and your insurance.

This type of insurance may also pay for injuries that you sustain in a hit and run accident.

Uninsured and underinsured motorist bodily injury insurance coverage is available in most of the United States and most states require that you purchase one or both as part of your regular auto insurance policy. In many states, uninsured and underinsured bodily injury coverage is offered in a single package to residents through their auto insurance companies and provide all of the protection discussed here.

It is a good idea to purchase the highest limits that you can afford for your auto insurance for uninsured and underinsured motorist bodily injury insurance coverage. This will offer you the most insurance protection should you be injured in a collision or sustain any damages from another driver who is uninsured or inadequately insured. The low limits that are required by many of the states are simply not enough coverage to protect you and your family should you need to use the insurance.

Hospital stays, surgeries and lost wages while you are recuperating from an accident can tally to tens of thousands of dollars. Uninsured and underinsured motorist bodily injury insurance coverage will cover these fees if you pay for the higher level of auto insurance and above the state minimum. Uninsured and underinsured motorist bodily injury insurance coverage is an important aspect of your automobile insurance policy that shouldn't be over looked or swept under the table.

If you are injured in a collision with another motor vehicle and that driver doesn't have insurance nor has inadequate insurance, you shouldn't have to pay for their irresponsibility. It's true that you can attempt to take the other driver to court to have them pay for your medical bills, but you could tie the case up in court for years and lose a lot in the mean time.

It is quite unfortunate that people in this day and age don't carry auto insurance-perhaps they have the 'it can't/won't happen to me' attitude, but unfortunately, that is simply not the case.

It is important to point out that just because this type of insurance indeed exists in the United States is no reason for you to skip out on purchasing auto insurance-if you do injure someone and you have no insurance, you will still incur a steep fine and potentially jail time.

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