What is an uninsured motorist coverage?

Uninsured motorist coverage is a type of insurance policy that provides protection to policyholders when they are involved in an accident that is the fault of an uninsured driver. This coverage helps to cover medical costs and lost wages that are the result of an accident with an uninsured driver, as well as property damage to the policyholder’s vehicle. In the state of North Carolina, this type of coverage is optional. The policyholder can decide how much coverage they wish to purchase, which can range from a minimum amount to the full coverage that is offered. Uninsured motorist coverage is also known as UM insurance or UM coverage. The purpose of this coverage is to give policyholders some financial relief if they are involved in an accident with a driver that does not have any insurance. Without this coverage, the policyholder may be held responsible for the entire cost of medical bills, property damage, and lost wages, which in some cases can be quite expensive. It is important for motorists to be aware of their state’s laws when it comes to uninsured motorist coverage. In North Carolina, this type of coverage is optional and must be purchased separately from other insurance policies. Although it can be a costly expense, uninsured motorist coverage can provide much-needed financial protection if the policyholder is involved in an accident with an uninsured driver.

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What is an uninsured motorist coverage?

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