What Is Uninsured Motorist Coverage?
Uninsured Motorist Coverage is insurance protection that may help pay for covered losses after a crash caused by a driver without liability insurance. Policy terms determine whether the protection applies to bodily injury, property damage, or both. The coverage may also address certain hit-and-run crashes when the policy requirements are met.
Quick Facts About Uninsured Motorist Coverage
Category
Auto insurance coverage
Used for
Covered losses caused by uninsured drivers
Common confusion
It differs from underinsured motorist coverage
Also called
UM Coverage, Uninsured Motorist Insurance
Often discussed with
Car Accident Lawyer, Hit-and-Run Accident Lawyer
Key Takeaways About Uninsured Motorist Coverage
- The injured person’s policy may provide protection.
- Policy language controls covered losses and conditions.
- Uninsured does not mean the same as underinsured.
How Uninsured Motorist Coverage Works
Uninsured Motorist Coverage may respond when another driver causes a crash and has no liability insurance. You generally make a claim under your own auto policy, subject to that policy’s terms, conditions, and proof requirements. The insurer reviews fault, the covered loss, and the available coverage.
Related glossary terms: Bodily Injury Liability, Medical Payments Coverage, Subrogation.
The protection can involve bodily injury, property damage, or both, depending on the policy. A hit-and-run crash may also qualify when the policy treats the event as an uninsured motorist loss. Liability insurance covers harm a policyholder causes to others, while uninsured motorist coverage protects the insured person under defined circumstances. Underinsured Motorist Coverage addresses a different situation, where the at-fault driver has insurance but the available coverage does not fully address the covered loss.
From the Atlanta Auto Law team
When we review a car accident claim, we examine the available auto policies and compare their terms with the crash facts. We also check fault evidence, medical records, and communications with insurers before assessing how uninsured motorist coverage may affect the claim.
Uninsured Motorist Coverage in Practice: A Real-World Example
A driver without liability insurance causes a collision that injures you. Your own uninsured motorist coverage may provide a claim path for covered losses, subject to the policy terms and the evidence supporting the crash.
Related Services
Related Terms
Bodily Injury Liability
Bodily Injury Liability is legal responsibility for physical harm caused to another person, often addressed through…
Medical Payments Coverage
Medical Payments Coverage is optional auto insurance that helps pay reasonable medical expenses after a covered…
Subrogation
Subrogation is a legal process that allows an insurer or another party that paid a loss…
Atlanta Auto Law
Have Questions About Uninsured Motorist Coverage?
Contact Atlanta Auto Law for practical guidance on Uninsured Motorist Coverage and related personal injury attorney work in East Point.