TUESDAY, AUGUST 6, 2013
 All of us are familiar with liability insurance for our cars. In the event we're involved in an accident that causes property damage and/or bodily injury to a third party, our liability limits are called into play to pay that third party. So what does Uninsured Motorists coverage pertain to? We're glad to explain!
This vital coverage applies to bodily injury to you, in the event you're injured in an auto accident caused by a motorist with no insurance--or insufficient limits of insurance. Here are some examples. Let's say you're injured in an accident caused by the other driver, and your injuries are severe enough to run up a medical bill of $50,000. The other driver was only carrying a limit of $25,000 per person; your Uninsured Motorists coverage would then respond to pick up the other $25,000. Or, you and your family are driving to your favorite eatery, and you're suddenly rear-ended by a motorist with no insurance. All of you sustain various injuries requiring medical attention. Your Uninsured Motorists coverage would pay for the medical costs.
But. . .you don't even have to be in a car! If you're walking down the street, and a passing car unexpectedly loses control, jumps the curb, and strikes you, Uninsured Motorists pays for your injuries (in the event the driver has no insurance, or is underinsured). As you can see, Uninsured Motorists is your friend. Many studies suggest up to one third of all drivers have no insurance, or very insufficient limits of insurance. We strongly recommend you carry Uninsured Motorists protection on your policy, and at the highest limit you can afford.
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