Exposing Your Hidden Uninsured Motorist Coverage

In the United States, drivers are required to have insurance that contains an uninsured motorist provision in their polices. This provision in their policy will allow for damages to be covered if they are in an accident and the other driver does not carry the mandatory insurance. This insurance coverage is vital in protecting you. Think about this, you are in your car, stopped at a traffic light, then you get rear ended by an driver that does not have any insurance or any money to pay for the damage to your car (and yes, the driver that got hit was me! and thankfully, nobody got hurt). The damage to my car was real, and the guy that hit my car was a real loser (no job, no insurance, no cash, no apology, nothing), so who is going to pay for the repairs? Now, let's find the best deal on this coverage! So, if you ever do need it, you are protected. Instantly find the best deals in your city, Enter Your Zip Code Here Uninsured Motorist (100% Free)

If there is an accident, what does the insurance company actually pay for? The typical policy will pay the difference between what the uninsured motorist can pay and what your damages are. If you pay a premium, then you may also be able to collect for wages missed from work and any and all medical bills for you and your passangers, not to mention getting your car repaired. The purpose of this insurance is to protect you. Please, get over the fact that covering insurance for people that do not have insurance (despite it being the law) is 'unfair'...Life's unfair. You are here to protect yourself and your family from any financial disasters. I said financial, because, if you are hurt, and there are medical bills, then your health is important and always number one, but you are either going to be ok, or not. How about the financial health? If you get in an accident with an uninsured motorist and your medical bills are $150,000 (that is less than a week in ICU!!) where will this money come from? Your home equity? Not in this market, lol (but that's another article), child's education? Life Savings? How about your insurance!

Who exactly is considered an 'uninsured motorist' as far as your insurance is concerned? The language of everyone's insurance policy is different, but let's look at the big picture. If you are in an auto accident with a person that does not have the liability coverage required by law to drive legally in their state. Yes, driving without insurance is crime. Another definition may be when you are in a car accident with a 'hit and run' driver, who by definition does not stick around to take responsibility for their actions. Since insurance companies are wise to trying to be scammed, in most cases, a police report, witnesses to the accident, or a positive ID on the plate number of the negligent driver will be needed in order to process your claim. Insurance companies are business' that must make a profit in order to stay in business. Insurance companies are not piggy banks or your parents to take care of you when you screw up. Don't try to cheat them, and they will be there when you need them. As for a hit and run driver, where there's a police report, a positive ID on the plate number, and witnesses, all I can say is, I would not want to be that driver. Insurance companies can and will do all the fighting through the legal channels instead of you having to pay for an attorney and go after some jerk that did not have insurance. Believe me, it's worth it to pay for the best uninsured motorist policy you can afford. Chasing losers through the legal system is not how I want to live my life, also, losers are not unfamiliar with the courts (they tend to know 'the system' better than you).

Another category that qualifies as an uninsured motorist in your policy is often also referred to as 'under-insured motorist policy'. Let's say that you are driving along the street and some jerk is drunk and crashes into you (note: I am saying 'jerk' too often, accidents happen all the time, and most accidents are unintentionally caused by good people, that's why they are called accidents- 'Jerks' is somebody being irresponsible and their actions cost you...ps...I am writing from experience of being hit by a drunk driver, so the fire is coming from my finger-tips as I write) [ Editorial note to self, digressing is not easy to follow for the reader]...Ok so this jerk crashes into your car, you break your foot and hurt your back. The damage to your car is about $15,000 and your medical bills are twice that, so the damages are about $45,000 and this jerk only has the minimum insurance required in my state of $25,000. Oh, and he has no money to cover the difference. Where does this additional $20,000 come from? Either me, or my insurance company through my uninsured motorist policy that will make-up the difference between the other drivers insurance and the actual damages. Long story short, my Very Strong personal recommendation is to not skimp on the uninsured motorist coverage for your insurance policy. To get the best deal possible and instantly start saving, enter your zip code ABOVE in the free link in this article. This will find the best coverage at the best prices instantly for you based on your zip code (works in every state) Good luck and happy safe travels.