In Pennsylvania, it is not mandatory for drivers to have coverage for uninsured motorists. However, it is a wise investment to consider, as an average of 8% of drivers on the road don't have car insurance. This means that there is a 1 in 12 chance that the other driver won't be covered in the event of an accident. Uninsured motorist (UM) insurance is designed to provide protection in the event of an accident with an uninsured driver.
It is important to note that some states, such as North Carolina and West Virginia, require drivers to carry both types of vehicles, while others, such as New York and Oregon, only require bodily injury coverage for uninsured motorists. Uninsured motorist bodily injury (UMBI) coverage pays for your medical expenses after an accident caused by an uninsured driver. Uninsured motorist property damage (UMPD) coverage pays for the repair or replacement of your car. This means having car insurance for the specific protection of your vehicle, such as comprehensive coverage and collision insurance.
Even if coverage for uninsured drivers isn't mandatory in your state, it's an affordable coverage option that could be worthwhile depending on your circumstances. Otherwise, paying for coverage for uninsured drivers is often an inexpensive way to add additional protection. It is important to understand the different types of UM coverage available and how they can help protect you in the event of an accident with an uninsured driver. Knowing what type of coverage you need and how much it will cost can help you make an informed decision about whether or not to purchase UM coverage.
When considering UM coverage, it is important to understand the limits of the policy and what it covers. Generally speaking, UMBI covers medical expenses related to injuries caused by another driver in a hit and run incident. UMPD covers damage to your vehicle caused by an uninsured driver. It is important to note that UMPD does not cover damage caused by a hit and run driver.
It is also important to understand the exclusions associated with UM coverage. Generally speaking, UMBI does not cover property damage or pain and suffering caused by an uninsured driver. Additionally, UMPD does not cover damage caused by a hit and run driver or damage caused by a driver who does not have enough insurance to cover the cost of repairs or replacement of your vehicle. In conclusion, uninsured motorist bodily liability coverage can be a wise investment in Pennsylvania, even though it is not mandatory.
It provides protection in the event of an accident with an uninsured driver and can help cover medical expenses and property damage costs associated with such accidents. Understanding the different types of UM coverage available and their associated limits and exclusions can help you make an informed decision about whether or not to purchase this type of coverage.