Reader’s Question:

What is the coverage of the uninsured motorist insurance? I live in Arizona.

Freeman

Thank you for asking.

The Arizona Department of Insurance states that Uninsured Motorist coverage protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has no liability coverage.

This may also protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has insufficient insurance to cover your injuries or your passengers.

Uninsured motorist coverage (or UM) provides coverage for your medical bills, loss of earnings and pain and suffering if you suffer injuries as a result of a negligent drivers who does not have liability insurance, including a hit-and-run motorist. Underinsured motorist coverage (or UIM) provides coverage situation that your damages exceed the other driver’s liability coverage.

Goodluck!

MariCAR