Uninsured motorist coverage is the insurance you need to protect yourself, your family, and your passengers when your car is hit by an uninsured driver.
You might be surprised to know how many people drive without insurance in the Philadelphia area. You probably won’t be surprised to learn that people who drive without insurance usually don’t have other assets to pay for your damages. So even if they seriously injure you or a family member, you are never going to be able to get anything from them. The saying "you can’t get blood from a stone" is a good fit for this situation.
You can protect yourself by carrying uninsured motorist coverage. This is a contract between you and your insurance company, whereby your insurance company will compensate you, your family members, and passengers in your car for injuries if you are hit by an uninsured driver. I recommend that you purchase as much uninsured motorist coverage as you can afford.
Here is an example of how uninsured motorist coverage works. You, your wife, and your three children are stopped at a red light when an uninsured driver plows into the back of your car and causes serious injuries to everyone. The driver has no insurance, was drunk, and this is going to be his seventh conviction for drunk driving. He is going to jail, and you’re probably never going to get anything from him. If you had uninsured motorist coverage in the amount of $100,000 per person/$300,000 per occurrence, you would be able to collect up to $300,000 for the injuries to everyone in your car.
Uninsured motorist coverage is well worth the small amount it adds to your car insurance bill each year.