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What does uninsured motorist coverage mean?

Uninsured motorist coverage isn't required, but it is an option that's available to me. What does it mean and what does it cover? I'm wondering if I should add it to my policy.

Emily Maracle · Updated on May 10, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

“

Uninsured motorist coverage

protects you if you are in an accident with an at-fault driver who does not have insurance.

Normally, when a driver is at fault, their insurance pays for any property damage or injuries in an accident. If a driver is uninsured, there is no insurance company to pay for the damages or injuries.

With uninsured motorist coverage, your own insurance will take care of your injuries or property damage. This means that you must submit a claim to your insurance company, even though you weren’t at fault in the accident.

Having uninsured motorist coverage is important, as it protects you from having to pay out of pocket for any damages that an uninsured driver may cause. It also means you won’t have to immediately seek legal action against an uninsured driver for damages. “

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