Uninsured / Underinsured Motorists

Auto Smarts

A new study from the Insurance Research Council (IRC) finds that in 2012, the average car accident claim totaled over $17,000 (including property damage and bodily injury claims).

Typically, after an accident, the at-fault driver’s Car insurance pays these claims, helping victims repair their property, cover medical bills, and get them back to normal. However, studies show that nearly 1 in 8 drivers are completely uninsured!

Statistics also claim that uninsured motorists caused 14% of vehicle accidents in 2012. That means in the 5.5 million car accidents in 2012, about 785,000 of the victims couldn’t file a claim. Since the other driver was completely uninsured, there was no insurance to recoup money for repairs, medical expenses, property damage, and more.

Without adequate property and liability coverage, the victim has no choice but to sue the uninsured at-fault driver for compensation. For the victim, on top of any property or injury claims, this adds a host of legal costs, time, and frustration to an already frustrating situation.

All this poses a serious financial risk to even the most seasoned and insured drivers among us.


Covering Yourself from Uninsured Drivers

You may think your Car insurance completely covers you behind the wheel, but the risks posed by uninsured motorists can expose gaps in your coverage. To fill these gaps, insurance companies offer Uninsured/Underinsured Motorists coverage. As the name would imply, this can cover your damages caused by an uninsured driver.

Uninsured/Underinsured Motorists coverage can apply to bodily injuries and property damages. Your insurance company covers you, so you don’t have to personally seek compensation from an at-fault uninsured motorist, wasting time and money in the legal process.

With Uninsured/Underinsured Motorists insurance for bodily injury and property damage, you’re covered (up to your limits) against:

  • Damages to your car
  • Damages to other covered property
  • Medical expenses
  • Lost wages
  • Emotional distress
  • Pain and suffering
  • And more

Currently, 22 states including Washington D.C. legally require drivers to carry Uninsured/Underinsured Motorists coverage, while many other states offer it as an option for mandatory liability insurance.

To make sure it’s a part of your Auto insurance policy, or if you’d like to add Uninsured/Underinsured Motorists coverage to fill gaps in your insurance, talk to your insurance agent or provider.


The information contained in this page is provided for general informational purposes only, and is not meant as professional or expert advice. Every attempt is made to ensure accuracy and timeliness, however all content is presented without guarantees.