What is an uninsured motorist coverage?

Uninsured Motorist Coverage, or UMC, is a type of insurance policy coverage in Arizona that helps cover damage or injuries to you and your vehicle in a road accident with an uninsured or underinsured motorist. If the other driver who caused an accident does not have insurance or their liability coverage is lower than the cost of your damages or medical bills, uninsured motorist coverage will cover the remainder of the costs. UMC helps protect drivers from high costs associated with damages caused by uninsured drivers. It will pay for any medical bills, property damage, lost wages, and pain and suffering that are not covered by the other driver’s insurance policy. In Arizona, uninsured motorist coverage is an optional type of coverage; however, it is a highly recommended type of coverage that can protect you in the event of an accident with an uninsured driver. UMC will cover you and your passengers, so it is wise to purchase this coverage as part of your auto insurance policy. It is important to note that the amount of coverage you have will determine how much UMC will pay out, so be sure to review your limits when you purchase your policy. In addition, UMC is a legally required coverage in some states. Be sure to check with your insurance company to determine whether it is mandatory in Arizona.

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