Uninsured Motorist Insurance

The last two decades have witnessed a surge in the number of uninsured drivers on U.S roads.

The Insurance Research Council’s (IRC) reports there are about 16% uninsured drivers on roads meaning any time you and your family hit the road you are vulnerable to accidents caused by a negligent uninsured drivers.

Uninsured motorist insurance comes in handy to help you in case of this type of accident. This coverage helps you in case:

 There are two aspects of uninsured motorist policy:

Uninsured motorist coverage requirement varies depending on your state. UMPD is optional in some states while in others it is not offered. Still, in others, it is required by law though some states allow drivers to reject it in writing. Clearly, the input of an insurance expert when looking for coverage is critical due to these complexities.