What is an Uninsured Motorists Coverage (UMC)?

Uninsured Motorists Coverage (UMC) is a type of insurance policy offered in Arizona that provides coverage for an individual in the event of an accident caused by an uninsured driver. UMC pays for damages done to the insured’s vehicle, as well as for medical bills incurred as a result of the accident. In order to obtain UMC coverage, an individual must purchase an uninsured motorist policy from their insurance company. UMC is an important type of coverage for drivers in Arizona, as the state requires that all drivers have some form of liability insurance to legally operate a vehicle. If an uninsured driver causes an accident, they may not be able to pay for the damages they have caused, leaving the other driver without any coverage. UMC provides the insured with assistance in the form of medical bills and vehicle coverage, up to the limits of the policy. It is important to note that UMC is a supplemental policy, and not a substitute for liability insurance. It does not provide coverage for any damages that the insured may have caused to the other vehicle. Additionally, UMC does not cover damage to property, such as damage to fences or mailboxes. These types of damages must be covered by the liability policy. Overall, Uninsured Motorists Coverage (UMC) is an important insurance policy for drivers in Arizona, providing them with extra protection and coverage in the event of an accident caused by an uninsured driver. It is important to have this type of coverage in order to be fully protected from any financial costs that may arise from such an accident.

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What is an Uninsured Motorists Coverage (UMC)?

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