Uninsured Motorist Vehicle Insurance. Do you have it?

kuntrygirl

Reduce, Reuse, Recycle
11 Years
Feb 20, 2008
22,031
785
461
Opelousas, Louisiana
I received my insurance renewal in the mail with a form asking me if I wanted uninsured motorist insurance. I didn’t really understand what uninsured motorist insurance was until I phoned my insurance company. They explained to me that uninsured motorist insurance covers an accident involving an uninsured motorist. In the event my car is damaged or if I am injured, having uninsured motorist insurance will cover damages and medical bills. I asked her did my last policy have it and she said no. My last car was 10 years old which may be the reason I didn’t have the insurance. I purchased another car last month, so now I am not sure if I should get the uninsured motorist insurance or not. What do you all think? Do you have uninsured motorist insurance? AND. Why or why not don’t you have it? Is it worth it? Just curious to see what other think about this.
 

Cackling Hen

Just Scratching Around
10 Years
Apr 21, 2009
1,284
10
161
Port Angeles Wa
That a good question I also went yesterday to get my new car put on my policy They had me inital by uninsured motorist insurance that i dont want it I got home and started thinking should I have it??? So many people out there with No insurance
 

hollyclyff

Songster
12 Years
May 18, 2007
445
3
141
NC
It was worth it to me when an uninsured illegal immigrant hit my car. No one could even get in touch with her after the accident, but my insurance paid for the damages.
 

Soccer Mom

Songster
10 Years
May 5, 2009
1,354
28
151
West of Crazy
I have it. Years ago my father was hit by an uninsured motorist. Since then, everyone in my family has been careful to have it. It's worth the money.
 

HarlansHollowFarms

bana-bhuidseach anns gára
11 Years
Jan 16, 2009
2,895
12
183
We have it, and our cars are over 10 years old. It doesn't raise your premium much and there are so many without insurance, I think it is a benefit you should not be without. We carry, comprehensive, liability, and uninsured motorist, never had to use any of it.....but life is not over yet!
 

Ms.FuzzyButts

Songster
10 Years
Sep 5, 2009
2,747
4
171
North Alabama
I have it. Only because I will be darned if someone with no insurance hits me, do I want to be left having to pay for it out of my pocket!! It is sad that we have to cover for someone with no insurance!!! Sort of defeats the purpose in my opinion.
 

pips&peeps

There is no "I" in Ameraucana
Jan 18, 2008
8,431
177
381
Newman Lake, WA
Mine is only a few bucks to add it and it's worth it.

I was hit several years ago by a hit and run driver. The uninsured motorist insurance covered everything, no deductible.
 

ranchhand

Rest in Peace 1956-2011
11 Years
Aug 25, 2008
13,295
78
291
SC
Quote:
Same thing happened to me, only it was a he. My insurance had to pay for a new truck for me, and they didn't raise my rates.I always add it, and it's now required by law in South Carolina. Considering the benefits of it, it's not very expensive.

DH got smashed into by a 16 year old texting while driving. Totaled his truck. She said she was with Geico, got her ticket and drove off - texting.
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Turns out her Dad hadn't paid for insurance, just the down payment to get the card. Our uninsured coverage paid for a truck for DH as well as his medical treatment.

So yes, I highly recommend it. There a LOT of people driving with no insurance!
 
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