Uninsured Motorist Coverage

Bodily Injury under UM

Under this you could make claims for you and the insured members of the family or your passengers traveling in the car at the time of an accident caused by a hit and run accident or an uninsured driver's car.

You can claim medical expense up to a certain limit. The persons covered under this could be

===>> the policy holder
===>> other drivers covered by the policy
===>> passengers of the vehicle

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Does this coverage provide enough protection?

It provides the driver that is involved in an accident with an uninsured driver, full coverage up to the maximum limits of the coverage limit paid by the person per incident.

Does this benefit all involved in an accident?

Not particularly but if you are an individual not covered under health benefits then you can benefit but if the limits chosen by you at the time of taking the policy are insufficient then you may have to pay the additional amount involved.

When you are involved in an accident not only your body but also your property is damaged. So you need to extend coverage to your property as well.

When you choose the Uninsured Property Damage coverage, you can cover your vehicle damages that were sustained by a reckless driver who does not posses insurance.

What type of protection does this provide?

In the event of you not having collision coverage, the property is automatically covered under this coverage. But if you have collision coverage then you can claim your collision deductible in some states alone.

My unforgettable life threatening experience

"This was a major experience in my life when I was traveling with my dear family for a vacation to a nearby holiday resort in Kansas City. The weather was fine and my wife and two daughters were in high spirits. We set out merrily singing and enjoying the scenic beauty of Kansas. We spent a wonderful day near the seaside beach resort and decided to drive home early before sunset.

All was well, till we had a hit and run drunken driver who just gave our vehicle a hard bolt from the rear which sent us reeling off the road. Fortunately except for shock none of us was hurt, but the vehicle was badly damaged. I was helpless and then remembered the Uninsured motorist insurance coverage policy I had taken that year. It really came to my aid and it covered almost all my expenses for damaged property. Thanks to UM coverage."

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