People ask, what is Uninsured Motorist Coverage and what does it do?

Uninsured Motorist pays for your medical expenses and other personal injury expenses for you, when somebody with no insurance crashes into you. Often, people with no insurance also have no money and are not a good target for collection on a judgment. The way for you to protect yourself is with Uninsured Motorist coverage, which buys insurance so YOUR car insurance company pays for those costs.

This portion of your car insurance does NOT pay for your car. If a person with no insurance hits you, then your collision coverage will kick in. That's not terribly fair, as your deductible applies. However, it is better than having nothing.

For more information, check out Save18.com. Although this site is a quoting site for just Wisconsin drivers, there is valuable information, especially on the site's Facebook page.

Underinsured Motorist coverage does the same thing, only it is there for when you are hit by somebody with low levels of coverage....a state minimum based on each state's insurance laws.
You may be able to collect $25,000-$100,000 on another driver's coverage but it may not be enough. Consider if you have huge medical deductibles or co-pays; have to build a wheelchair ramp to your house; need a special van; need nursing care at home for years.

This is  why you need this coverage. For more info, check out the FB page of www.save18.com