Do you need uninsured motorist protection if you already have health insurance?
No one wants to spend more on their auto insurance than they have to. This is why many drivers look for ways to save on their coverage. One question that drivers often ask is why they need uninsured motorist coverage if they already have collision and health insurance. Here’s why all drivers can benefit from having uninsured motorist coverage.
- What is Uninsured Motorist Coverage?
If you get into an accident with an uninsured individual, they will not have coverage for your injuries or vehicle repairs. Additionally, most uninsured motorists do not typically have assets, meaning that the driver probably won’t be able to cover your accident recovery costs out of pocket. This is where uninsured motorist coverage kicks in. This form of insurance will provide coverage for things like car repairs, medical treatment, and so on.
- Do I Need This Coverage?
If you already have collision and health insurance, then you may feel like uninsured motorist coverage is unnecessary. However, it’s important to understand that this coverage extends further than your existing policies. Specifically, uninsured motorist coverage offers more benefits that your health insurance. For instance, your health plan will only cover the cost of your medical treatment after an accident. However, what happens if you can’t work due to your injuries, or if you are suffering mental and emotional trauma following the accident? With uninsured motorist coverage, you will have coverage for your medical treatment, rehabilitation, lost wages, and reparation for your pain and suffering. With these extended benefits, it’s easy to see why it’s worth it to carry uninsured motorist coverage.
This is why drivers need to carry uninsured motorist coverage, even if they already have health insurance. Do you have more questions about your car coverage? If so, then contact the experts at Pierce Insurance Group. Our dedicated team is eager to assist you with all your insurance needs today.