Thursday, May 8, 2008

Often overlooked car insurance coverage

Uninsured motorist coverage was conceived as a partial solution to the problem created by drivers who would not or could not obtain liability insurance. Uninsured motorist (UM) coverage benefits those who are covered by a Personal Auto Insurance policy under which the insured has purchased UM coverage. It does not benefit the uninsured motorist who is responsible for an accident.

Say you were driving along one sunny day, obeying all the speed limits and road signs and o ut of nowhere, a vehicle strikes you. If you only had liability auto insurance and the other motorist was not insured, your coverage would not assist you in any way. You would have to seek indemnity for your medical injuries and your property damage (your vehicle) through other means.

In some states Uninsured motorist coverage will protect the insured for bodily injury and for property damage in case damages were caused by an uninsured motorist; however, some states offer uninsured motorist for bodily injury only.

Don't overlook this important car insurance coverage. It can be fairly inexpensive and very helpful in case of a loss caused by an uninsured driver. If you reside within the United States, you can use the following link to obtain an online auto insurance quote.

Don't forget to quote Uninsured Motorist coverage as well !

Author Bio:
Cesar Diaz is an auto insurance broker and agent providing auto insurance through his website