Why is uninsured motorist coverage required in states that require liability coverage?

Answer Answer UM (uninsured motorist) coverage is not required in all states that require liability coverage. However, UM is an important coverage in auto insurance because it steps in and pays for your b... Read More »

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Will your uninsured motorist coverage cover an accident from an at fault unlicensed uninsured driver?

Yes. The initial trigger for entitlement to uninsured motorist benefits is involvement and injury in a motor vehicle collision with an uninsured motorist. According to state law, there may be other... Read More »

What is uninsured motorist coverage?

Uninsured motorist insurance covers medical costs resulting from physical injuries; in some states, this insurance coverage also reimburses you for any damage caused to your car in the collision. E... Read More »

What does stacked uninsured motorist coverage mean?

Uninsured motorist coverage is usually listed in ways such as 10/20, 25/50, etc. That means $10,000 per person, $20,000 max per accident. This coverage is for each vehicle on the policy. If you sta... Read More »

What does uninsured motorist coverage cover?

Uninsured motorist insurance covers damage to an insured vehicle when caused by an uninsured driver. It does not replace collision insurance. However, each state has its own limitations as to how m... Read More »