Many car owners today invest their money on auto insurance for protection. They purchase different types of auto policies to ensure that they would not suffer financially if they get involved in an accident. However, most of these drivers do not get one useful type of insurance – Uninsured Motorist Protection.

Uninsured Motorist Protection (UMP) is a kind of auto insurance that covers drivers' expenses when they get involved in vehicle collisions caused by uninsured drivers. This is a useful alternative policy to help you save money. If you want to get UMP, here are some situations where it would apply:

  • You should have been in an accident with an uninsured driver – An uninsured driver is someone who does not have insurance, someone whose insurer refused to pay compensation, or someone whose auto policy is insufficient to compensate your damages.

  • An authorized driver or relative was driving your car – Any driver or passenger aside from you should have your permission in using the vehicle. Otherwise, they would not receive any compensation from you vehicle policy.

  • The accident should be a vehicle collision or a hit-and-run incident – UMP applies to both property damage and personal injury depending on the type of insurance.

  • The liable driver's insurance company does not have the capacity to pay out the entire compensation for your damages – In this case Underinsured Motorist Protection coverage would be an ideal option.

In order to get compensation for your damages, you need to prove that the other party was indeed responsible for the accident. You may get a copy of the police report at the scene or find witnesses to testify against the driver. If the driver was proved to be liable for the collision and he does not have the capacity to pay your expenses, that is when your Uninsured Motorist Protection would take effect. UMP may pay your damages such as:

  • Compensatory damages

  • Medical expenses

  • Lost wages

  • Pain and suffering

There are two major types of UMP, Uninsured Motorist Property Damage Insurance and Uninsured Motorist Bodily Injury Insurance. As their name suggest, they would cover the policy-holder's property damage expenses and personal injury costs. You may choose between the two policies which you think would work for you better.

While there are numerous drivers purchasing auto insurance, there are also some car owners who prefer not to have any. If you get into a vehicle crash with an uninsured driver, you may pay for your own damages and medical bills, and you do not want that to happen. Get UMP for your vehicle, and you would not regret it.