What is Uninsured Motorist Coverage ?

The uninsured motorist coverage is a unique feature of American insurance companies. For a certain premium, a driver can receive compensation if he or she is involved in an accident. In such a case, the driver of the other car may not have insurance. As such, he or she will not be able to pay for the damages. The insurance company steps in and pays the difference.

Who Is an Uninsured Person?

For legal purposes, an uninsured person is one who does not have any coverage for the vehicle they are driving. In such a case, the person has no financial means to pay for the damages. In most states, it is illegal for you to operate a vehicle without any insurance. However, it still does happen sometimes. Thus, it is better to be on the safe side of and have.  An uninsured person is also a person who flees an accident scene. This is illegal in most states but it still does happen. For instance, someone may have stolen the car and they do not wish to be caught. Because of insufficient information to identify the person, he or she is considered uninsured.  Any vehicle that has been stolen in considered uninsured. That means from the period the owner reports to the time it is recovered, the car remains uninsured. The owner of the vehicle cannot be held liable for any accidents that the vehicle is involved in.

Uninsured Motorist Bodily Cover

In some cases after an accident, you may be badly injured. In such an instance, you have to get medical treatment. In such a case, you insurance company will pay for lost wages, medical treatments and the suffering and pain of being in an accident. However, proving pain and suffering can be a bit challenging. This is why it is essential that one maintains good hospital records.

Uninsured Motorist Property Damage

Such an instance applies when the other party does not have any type of coverage. It may also be that they have insufficient coverage. In such a case, your insurance company will try to recover the other party’s assets to cover for the costs. However, most people without insurance also have recoverable assets. As a result, the insurance company pays for everything.   Under this arrangement, your property is insured from damage. For instance, your cell phone, your house and fence are covered. In the case of any repairs, the insurance is responsible for conducting all the maintenance.


In case a motorist runs away without leaving details, the law requires that you file a lawsuit against the John Doe. In such an instance, winning the case is usually very easy. Insurance companies will also require that you sue the party responsible for the accident. In some instances, it is a requirement that you win the case against the defendant. In some cases, a person can increase the amount they get from the insurance company. This is through a phenomenon known as policy stacking. You simply stack all your insurance policies into one and get payment.


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