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What happens if I break down with an uninsured driver?



Most states have mandatory minimum insurance laws, but some still run without coverage. The Insurance Information Institute (III) reports that 13% or one in eight drivers in the United States in a new study drive a vehicle without insurance. Many such drivers cannot afford car insurance, which makes it difficult to collect damages after an accident. Fortunately, there are ways to protect yourself if you have been involved in a wreck with an uninsured driver.

Uninsured motorist coverage

Uninsured motorist protection is a type of car insurance that is designed to protect you if a driver without insurance causes a car collision. Hit and run accidents are also covered. This coverage is optional in most states but is required in others. If the driver who caused the crash does not have car insurance, your uninsured car insurance will cover your damages, up to your police limits.

Underinsured motorist coverage

Even if a driver carries the minimum liability insurance, it may not be enough to cover your losses. In many states, mandatory minimum financial liability limits for bodily injury and property damage are as low as:

  • $ 25,000 per person bodily injury
  • $ 50,000 per accident bodily injury
  • $ 25,000 property damage

Medical expenses for injured in a Serious accident can cost much more than $ 25,000. The average cost of a new vehicle in 2020 is $ 37,851

, according to the Kelley Blue Book.

Underinsured motorist coverage gives you extra protection if the political boundaries of the driver who caused the accident do not fully cover your losses. If you are in an accident with an underinsured driver, you must submit a claim for damages to the driver's insurance company and inform your own car insurance company. If you receive insufficient compensation from the other driver's insurance company, your insured car insurance can pay the difference, up to your insurance limits.

How much uninsured / underinsured car insurance do I need?

Coverage levels for uninsured / underinsured car insurance can vary widely. Some insurance companies may limit you to coverage that does not exceed your other liability limits. In general, it is wise to have the same amount of uninsured car insurance that you have for bodily injury.

Uninsured car insurance may exist as a sub-limit policy, or in some states as a combined single limit policy. Shared border policies have separate limits for bodily injury and property damage. For example, an uninsured motorist plan can cover $ 50,000 bodily injury per person, $ 100,000 bodily injury per accident and $ 25,000 for property damage. In a combined single limit policy, a level of coverage (for example $ 100,000) applies to both bodily injuries and property damage.

How much does uninsured / underinsured car insurance cost?

The average cost of uninsured / underinsured car insurance is about 5% of the annual premiums for car insurance. Various factors can affect the price of this type of insurance, including driving records, previous claims and insurance discounts. Our experienced agent can help you find the best prices for the uninsured motorist protection you need.


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