Here’s what you need to know about uninsured motorist insurance.

While you might know that states require drivers to carry liability insurance coverage, did you know that there are other forms of mandatory coverage? For instance, in the state of New York, drivers are now required to carry enough under/uninsured motorist coverage to match their bodily injury coverage limits. But what is this type of insurance and what does it cover? Read on to learn more about what uninsured motorist insurance can do for you.

What is Uninsured Motorist Insurance?

Uninsured motorist insurance is a type of coverage that helps you cover the cost of your medical expenses or car repairs after getting into an accident with a driver who is not carrying any auto insurance. This type of coverage usually kicks in when the uninsured driver is at fault for the accident.

What Does It Cover?

Uninsured motorist insurance generally consists of two types of coverage: uninsured motorist bodily injury coverage and uninsured motorist property damage coverage. As the name suggest, bodily injury insurance covers your medical expenses resulting from an accident caused by an uninsured driver. Property damage coverage helps you pay for your vehicle repairs after a crash caused by an uninsured driver. Keep in mind that uninsured motorist property damage coverage is not available in some states, so speak to your insurer to find out what coverages are available to you.

Why is It Important?

Typically, if another driver is at fault for an accident, their liability insurance will offer coverage for your medical bill and repairs. However, if the at-fault driver doesn’t have insurance, you may be forced to pay for these expenses out-of-pocket. Uninsured motorist insurance specifically fills this coverage gap, ensuring that you are not responsible for the medical expenses and repair costs caused by an irresponsible driver.

This is what you need to know about uninsured motorist insurance.  Looking to find the right auto coverages to address your risks? Turn to the professionals at Scavone Insurance in White Plains, New York.  Our dedicated team is ready to assist you with all your coverage needs.  Contact us to get started today.

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