What is Uninsured Motorist Coverage?

Original Equipment Manufacturer (OEM) coverage in Auto Insurance?


1. What types of injury and/or damages are typically covered by Uninsured Motorist Coverage?

What is Uninsured Motorist Coverage?

Uninsured motorist coverage, sometimes referred to as “underinsured motorist coverage”, is an optional car insurance coverage that provides financial protection to you and your passengers in the event of an accident with an uninsured driver or one who doesn’t have enough insurance to cover the costs of the damages.

What Does Uninsured Motorist Coverage Pay For?

Uninsured motorist coverage will cover the following:

    • Medical bills for you and any passengers in your vehicle.


    • Lost wages due to being injured.


    • Property damage caused by an uninsured motorist.


Should I Get Uninsured Motorist Coverage?

It depends on your individual needs and situation. This type of coverage can provide additional financial protection in the event of an accident with an uninsured driver. However, if you have comprehensive coverage and a good health insurance provider, it may not be necessary.

On the other hand, if you live in an area with a high number of uninsured drivers, or if you can’t afford to pay the costs of an accident out-of-pocket, then uninsured motorist coverage can be a wise decision. Ultimately, you should speak with your insurance provider to learn more about the risks and benefits associated with this coverage and make the best decision for you and your family.

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