3 Reasons You Need Uninsured Motorist (UM) Coverage

Auto insurance is legally required almost nationally, but that doesn’t mean every driver is insured. According to a 2017 study, 13% of drivers, or about one in eight motorists, were uninsured in 2015. Over the last few years, this number has slowly been rising, which is bad news for insured motorists. What happens if you’re in an accident and the other driver doesn’t have insurance? Sure, you could take them to court, but if they can’t afford insurance, they probably won’t be able to afford the damages you need to fix your car and treat your injuries.

That’s why you should have uninsured motorist (UM) coverage. Here are 3 reasons why:

1, A Good Amount of Drivers Don’t Have Insurance

In California, over 15% of all drivers are uninsured, which is roughly 400,000 people. That’s a heck of a lot of people to avoid getting in an accident with. With UM coverage, you can get in an accident with someone that is uninsured and still have a way to pay for damages to your car, hospital bills, pain and suffering, and loss of wages.

2. It Also Protects You from Bad Insurance

Another driver having car insurance doesn’t always guarantee that you’ll get compensated. If the other driver has bad insurance, it may not cover the damages you need to get back on your feet. If you have UM coverage, it can help make up the financial difference.

3. Your Passengers (and You as a Pedestrian) Are Covered Too

If your passengers are injured in an accident, UM coverage can cover their injuries and pay for their medical expenses. In addition, if you get hit by an uninsured driver as a pedestrian, uninsured motorist coverage can protect you.

If you want more information on how uninsured motorist coverage can help, contact our Los Angeles car accident attorneys at Mardirossian & Associates, Inc. today.

Call (323) 648-3478 or contact us online.


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