Significance

• Uninsured motorist coverage helps to pay if the other driver doesn't have car insurance or the driver meets the legal requirements in their state but not enough to cover damages. This type of coverage is usually carried by drivers who don't have collision coverage and it can also cover damages caused by a hit-and-run driver.
  
  

Types

• If the driver who is at fault has coverage but it is only the state's legal coverage, your insurance pays the limits of your policy after subtracting the amount that is paid by the other driver. Passengers of your vehicle are also covered under your uninsured motorist coverage and may receive medical treatments for their injuries under this coverage.
  
  

Features

• Two types of uninsured motorist protection are available: property and bodily protection. Property damage protection can pay for damages to the body of your car. It can also assist with any repairs needed to the vehicle as a result of the accident caused by the uninsured motorist. Bodily injury protection can help pay for any medical expenses that occurs as a result of bodily injury from an accident. This protection will also cover lost wages in the event injuries sustained from the accident cause you to miss work.
  
  

Misconceptions

• Many people think uninsured motorist protection is included in their insurance policy. This coverage is optional and must be requested to add it to your policy. In addition, it isn't mandatory so the insurance agent may not suggest it to you as an option.
  
  

Warning

• If you are involved in an accident, don't try to resolve the matter on your own. Contact the insurance company immediately because not doing do can result in denial of your claim.