Uninsured Motorist Coverage... What is it and Why Should You Have it?

Let’s talk about uninsured motorist coverage…

Have you ever been in a car accident, and the other driver didn’t have an insurance policy? It happens more often than you think, and if you don’t have adequate coverage, you might be left with hefty out-of-pocket expenses like medical bills and health insurance deductibles.

If you want to prevent this nightmare from happening, you should take advantage of uninsured motorist (UM) coverage.

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This type of coverage will pay for medical bills and other expenses for you and your passengers if you’re in a car accident caused by:

  • A driver who doesn’t carry liability insurance. 
  • A driver who doesn’t have enough liability insurance.
  • A driver whose insurance company denies coverage.

Uninsured motorist coverage can pay for:

  • Medical bills.

  • Lost wages if you can’t work because of the accident.

  • Pain and suffering.

  • Funeral expenses.

  • And more.


Here are some other super important things you should know about uninsured motorist coverage.


First, you should know that there are two types of uninsured motorist coverage. They are:

  1. “Add On”

  2. “Reduced By”


These two terms are simple but mean something totally different, so listen up!


“Add on” means that if you get paid by the person who hits you (their liability insurance), you can also get paid by your own uninsured motorist coverage. This will literally add to any recovery you’ve already received.


“Reduced by” means that if you already received recovery from the at-fault driver’s liability insurance, your recovery from your uninsured motorist coverage will be reduced by the amount you already received. Whatever amount is left over is what is available for you to collect. 


That’s why I ALWAYS recommend getting the add-on coverage; it allows you to get a bigger check should you ever suffer injuries or damages due to a car accident. 


Another important thing to note is that when you’re shopping around for insurance, you should be aware of the fact that you cannot have more on your uninsured motorist coverage than you do on your liability coverage. 


For example, if you have $50,000 in coverage on your liability policy, then you can only have $50,000 coverage on your uninsured motorist policy. If you want more uninsured motorist coverage, you will have to increase your liability coverage. 


Keep this in mind when you’re seeking a new policy or trying to change your current policy. 


The primary function of uninsured motorist coverage is to pay medical bills after a car accident with an uninsured driver. You may feel you do not need this coverage, especially if you have a good health insurance policy. But uninsured motorist coverage can still help in situations where your medical bills are astronomical, or your deductible on your health insurance is high. 


If you want a way to cover car accident injuries without paying co-insurance, copays, and health insurance deductibles, add uninsured motorist coverage to your policy today! It will pay for many different things, as discussed above, and if you do end up getting injured in an accident, you will be glad you have it.


The law is our business at C. Kelly Law, LLC in Atlanta, GA. Our legal team is skilled, experienced, and highly knowledgeable in personal injury law.  If you need assistance in a personal injury matter, please don’t hesitate to reach out to us by visiting https://www.ckellyfirm.com/contact or by filling out the form below.


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