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Uninsured Motorists: Threats on the Road
Drivers with no auto insurance coverage are more common than you think. And unless your own policy protects you, getting involved in an accident with an uninsured motorist will cost you.
Uninsured motorist property damage (UMPD) coverage may seem unnecessary especially considering most people have collision coverage on their car insurance. However, for drivers who don't have collision coverage, UMPD can provide protection for their car from uninsured drivers without raising their premium a lot. Moreover, a lower deductible for UMPD is usually cheaper than collision coverage with the same low deductible. UMPD does not always apply in hit-and-run accidents, because UMPD coverage rate is lower than collision coverage. this makes it tempting for drivers to make a "hit-and-run" claim using their UM coverage instead of collision coverage, or purchase UM coverage and not collision coverage.
Uninsured motorist bodily injury (UMBI) protection can help you in this way. If you are a pedestrian, you carry this coverage and you get hit by a car while you're crossing the street, the coverage could pay your medical expenses and lost wages. This is important, because should you have medical payments coverage and health insurance, those still won't cover lost wages. You could get coverage for your lost wages by purchasing disability insurance, which lots of people have through their employer, but this would not cover your passengers or family members, and would be terminated if you switch jobs. Besides protecting you as a pedestrian, UM/UIM can also protect you and your family members when traveling in other cars. As Nicole Mahrt of the American Insurance Association says, "You probably can't afford to drive without it."
Used with permission of www.iii.org