With nearly 20% of Mississippi drivers not carrying auto insurance, you can’t afford not to elect uninsured motorist coverage. Additionally, due to the impacts of COVID-19, it’s highly likely that the number of uninsured drivers will significantly increase.
Read on to learn more about uninsured motorist coverage.
Uninsured Motorist Coverage Explained
Uninsured motorist coverage is a portion of a car insurance policy that assists in the payment of your medical bills or property repairs if you’re struck by a driver without auto insurance.
If you’re involved in an accident and it’s the other driver’s fault, their auto insurance policy will assist in the payment of your medical expenses or property damage repairs. However, if the driver at fault doesn’t carry an auto insurance policy, you may have to pay for your expenses out-of-pocket.
With uninsured motorist coverage, your own policy will help pay for your medical expenses and property damage repairs so that you’re not left paying for it all on your own.
There are two different types of protection offered for uninsured motorist coverage:
- Uninsured motorist bodily injury coverage - Commonly referred to as UMBI, this coverage will assist in the payment of your medical bills that result from an accident that’s caused by a driver without car insurance.
- Uninsured motorist property damage coverage - Commonly referred to as UMPD, this coverage assists in the payment of repairs to your property following a wreck caused by an uninsured motorist.
While UMBI and UMPD coverage is not required for Mississippi drivers, it’s a good idea to secure this coverage just in case. The unexpected can happen at any time, so it’s best to be prepared for the worst-case scenario. Uninsured motorist coverage is relatively inexpensive and is well worth the investment.
We Can Help
If you’ve been injured in a car accident through no fault of your own, you may be owed compensation. Our attorneys at MW Law Firm PLLC - Mama Justice are highly skilled in car accident cases and have helped hundreds of other people obtain justice. Let us help you, too. Don’t hesitate to contact our office with your case right away.
Call us today at (662) 262-6264 or fill out a contact form to discuss the details of your case!