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Do I Need Uninsured Motorist Insurance?

protect against uninsured drivers

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

As a driver, you are probably aware that there are certain types of auto insurance in Carrollton, Texas that you are required to carry.  However, you might be surprised to know that there is a wide variety of optional coverages that you have access to as well.  One such coverage is uninsured motorist insurance.  But what does this type of insurance cover and is it worth investing in?  Read on to learn more about what uninsured motorist insurance can do for you.

What is it?

As the name suggests, uninsured motorist insurance offers coverage in the event that you get into an accident with a driver who is not carrying auto insurance minimums.  Since the uninsured driver does not have the necessary coverage to address your medical treatment and car repairs, uninsured motorist insurance offers you this coverage instead.  Usually, this type of coverage kicks in when it is the uninsured driver at fault for the accident.

What does it cover?

Uninsured motorist insurance generally consists of two different types of coverage: uninsured motorist bodily injury coverage and uninsured motorist property damage coverage.  The first type of coverage addresses any medical costs that you might rack up due to an accident with an uninsured driver.  The second coverage option addresses the cost of repairing your car after an accident.

Do I need this coverage?

While optional, it’s highly recommended that you add uninsured motorist coverage to your auto policy.  Generally, if another driver is at fault for an accident, their insurance will cover your medical and repair costs.  However, if the at-fault driver does not have insurance, then you might be left to handle these expenses on your own.  Uninsured motorist insurance is specifically designed to fill this coverage gap, ensuring that the cost of another driver’s irresponsibility does not come out of your own pockets.

This is why you should consider investing in uninsured motorist coverage.  Do you have further questions regarding your auto insurance in Carrollton, Texas?  Then don’t hesitate to contact us at Mike Leonard Insurance Agency.  Our dedicated team is eager to find you the right coverage from one of our many carriers including: Kemper, MetLife, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance.