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Uninsured motorist coverage is one of the more confusing parts of car insurance. Here's how to know what it is and whether you need or want it.


I’ve discussed in detail why you should get uninsured motorist insurance coverage to make sure that you're covered if you're hit by somebody who is either uninsured or doesn't have much liability insurance coverage.Another important thing to think about is the amount of your uninsured motorist insurance coverage.


Uninsured motorist coverage protects against that risk. If you have uninsured motorist coverage, that coverage will pay you if you get into an accident with someone who has no liability coverage. Underinsured motorist coverage is similar- it pays out if the other driver has liability coverage, but does not have as much liability coverage as you do.


Many people reject uninsured and underinsured motorists coverage when they’re buying auto insurance. This coverage is most commonly seen on insurance policies as UM/UIM coverage, and going without this coverage completely or having too little could cost you much more in the future than it does in premium.


Should you be involved in an accident where the "at fault" driver lacks adequate liability insurance, your own underinsured motorist coverage covers you. Uninsured/underinsured motorist coverage refers to separate but similar coverages: Uninsured motorist (UM) coverage for uninsured motorist bodily injury (UMBI)


How Uninsured/Underinsured Coverage Works. In case of an accident caused by a driver without insurance, a UM motorist policy replaces the liability coverage that driver should have had and gives you coverage for all of your costs, up to your policy’s limits.


Uninsured motorist coverage (and the closely related underinsured motorist coverage) exists to help pick up the tab when you’re in an accident with a driver who is at fault and either has only state minimums for liability or no coverage at all.


Do I need Uninsured Motorist coverage if I have Medicare or Health Insurance? In Florida, your auto insurance policy should include Personal Injury Protection (PIP-No Fault), Medical Payments, Bodily Injury and Property Damage Liability Coverage and Uninsured Motorist Coverage.


Uninsured motorist coverage will protect you in a few specific situations, but do you need to buy it as part of your car insurance? Consumer advocate Clark Howard tells you whether you need ...


Many insurance companies will discourage you from buying uninsured motorist coverage, but there are many reasons why you should add it to your coverage. Many insurance companies will discourage you from buying uninsured motorist coverage, but there are many reasons why you should add it to your coverage.