Uninsured motorist coverage is an optional form of auto insurance that can be added to a policy to protect drivers in the event of an accident caused by an uninsured driver. This type of coverage is not mandatory in Pennsylvania, but it can be a worthwhile investment depending on the circumstances. Uninsured motorist coverage pays for any injuries or damages that result from a car accident caused by a driver who does not have enough insurance. It can also provide protection if the at-fault driver does not have liability insurance, which is required by Pennsylvania law.
In addition, some states offer underinsured motorist (UIM) coverage, which can be used when the at-fault driver's liability insurance is insufficient. Your own insurance policy may not automatically cover all types of necessary damages, so it's important to take out a policy that does or add additional protection. Premiums for uninsured drivers vary depending on the policyholder's risk factors. And in some states, insurance companies don't offer any property damage coverage to uninsured motorists. If you decline coverage for uninsured drivers, you'll have to use another type of coverage or pay out of pocket if you're hit by an uninsured driver. However, uninsured motorist (UM) coverage is still a good investment, even if it's not mandatory in your state.
It can provide financial protection if you're involved in an accident with an uninsured driver. If you're considering purchasing uninsured motorist coverage, it's important to understand the laws in your state and the types of coverage available. Make sure to read your policy carefully and ask your insurance provider any questions you may have.
