Dust swirls, pain sears your neck, and your ears ring. Someone ran a red light, and you have been in a major collision. While your health and safety–and that of your passengers–is undoubtedly your main concern, your second thought may be: “I hope that driver has good car insurance!”

Unfortunately, uninsured drivers are plentiful on American roads. According to the Insurance Research Council, in some states, more than 1 in 4 drivers carry no insurance. In poor economic times, the number of uninsured drivers rises as families struggle to pay bills. Add in the drivers who carry just the state-mandated minimum liability limits, and the odds of being fully covered by the at-fault driver get worse.

Protect yourself with Uninsured Motorist/Underinsured Motorist protection on your auto insurance policy.

Underinsured Motorist coverage pays the difference between the cost of your injuries and the at-fault driver’s insurance limit.

Uninsured Motorist Bodily Injury (UMBI) insurance pays for injuries to you and your passengers.

Uninsured Motorist Property Damage (UMPD) insurance covers your car for damages, often with a lower deductible than your collision coverage.

This is valuable coverage to have in your car insurance policies.

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