Misconception: Uninsured Motorist Coverage and Insurance Rates
“The fact that a great many people believe something is no guarantee of its truth.” – W. Somerset Maugham
As a resident of a state with the second highest uninsured motorist rate in the United States, having uninsured motorist coverage on your insurance is important. However, there is a misconception that using their uninsured motorist coverage can raise their rates that keep people from taking advantage of this benefit.
How Uninsured Motorist Coverage Works
Uninsured motorist coverage kicks in if you are hit by an uninsured motorist. Uninsured motorist coverage covers accident-related bodily injury to the driver and any passengers incurred in an accident with an uninsured driver.
Your uninsured motorist coverage will likely cover any medical costs associated with your injuries, including hospital stays, treatment, and missed pay due to being unable to work.
Uninsured motorist coverage isn’t just for car accidents. It also covers you if you are hit as a pedestrian, or are injured in a hit-and-run or drive by shootings — basically anything where the responsible party doesn’t have a way of paying your expenses.
However, uninsured motorist coverage doesn’t cover damage to your property, including your car. If you want damage coverage, you’ll have to ask your insurance provider about uninsured property damage insurance in addition to uninsured motorist coverage.
Clearing Up the Misconception
Because uninsured motorist coverage kicks in to cover bodily harm caused by the actions of another driver, your insurance will not go up if you use it. If you are at fault, or partially at fault, however, your rates will go up.
The short of it is, if you were in an accident with an uninsured motorist and you were not at fault, your insurance rates will not go up.
It’s important to contact a personal injury attorney when it comes to uninsured motorist-related accidents. You want to make sure that the blame is not put on you if the other driver is at fault. That way, you can ensure that your insurance rates won’t go up.