Do Drivers with Health Insurance Need Uninsured Motorist Coverage?

Do drivers need both types of coverage to be protected?smashed car with airbags

No one wants to pay more for auto insurance than they have to.  This is why many drivers look to save money by cutting down on coverage.  For instance, many drivers don’t want to pay for uninsured motorist coverage, assuming that their health insurance will be enough.  Unfortunately, this isn’t the case.  Here’s why drivers can’t afford to skip out on uninsured motorist protection.

  • What is Uninsured Motorist Coverage?

If you get into an accident with an uninsured individual, they will not have coverage for your injuries or vehicle repairs.  Additionally, most uninsured motorists do not typically have assets, meaning that the driver probably won’t be able to cover your accident recovery costs out of pocket.  This is where uninsured motorist coverage kicks in.  This form of insurance will provide coverage for things like your car repairs, medical treatment, and so on.

  • Why This Coverage is Important

If you already have collision and health insurance, then you may feel like uninsured motorist coverage is unnecessary. However, it’s important to understand that this coverage extends further than your existing policies.  Specifically, uninsured motorist coverage offers more benefits that your health insurance.  For instance, your health plan will only cover the cost of your medical treatment.  However, what happens if you can’t work due to your injuries, or if you are suffering mental and emotional trauma following the accident?  With uninsured motorist coverage, you will have coverage for your medical treatment, rehabilitation, lost wages, and reparation for your pain and suffering.  With these extended benefits, it’s easy to see why it’s worth it to carry uninsured motorist coverage.

This is why drivers need the protection offered by uninsured motorist coverage.  Do you have more questions about your auto insurance?  If so, then contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is eager to assist you with all your coverage needs today.