Should I Add Uninsured Motorist To My Auto Insurance Policy?
As a responsible, law-abiding citizen, you carry auto insurance, even as you hope that you never have to actually use it. It’s incredibly frustrating then, when you’re hit by an irresponsible, not law-abiding person that has let their coverage lapse. They hit your vehicle, caused thousands of dollars in damage, hefty medical bills, and on top of that, they have no way to pay for damages. Or perhaps they carry minimum coverage, which unfortunately barely scratches the surface of what the accident costs. Now what?
Technically, the at-fault driver is still on the hook for covering damages, but if they don’t have money for a monthly premium, then what are the odds that they can pay for your colossal repair costs and medical bills? If you have this coverage, then covering the costs of an Uninsured Motorist and Underinsured Motorist (UM/UIM) will restore you back to where you were before the accident if the other “at fault” driver has no liability coverage or not enough coverage.
With UM/UIM coverage, you will be protected for the things that the other “at fault” driver should normally cover. Please note that these limits cannot exceed the Bodily Injury (BI) liability limits.
Advice From Nevada Insurance Enrollment
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DISCLAIMER: It is important to note that the information contained herein is made general for the purpose of explanation. You should consult your policy for exclusions or other language that may alter your policy.