If I Have Health Insurance, Do I Need Uninsured Motorist Coverage?

Do you need uninsured motorist coverage?


Car insurance is something that every motorist needs. While there are a number of different coverages, some are truly optional. One of these confusing coverages is uninsured motorist insurance or UM. Some motorists may wonder if purchasing uninsured motorist coverage is necessary if they already have a health insurance policy in place. To help you decide, here is what you should know.


What is uninsured motorist coverage?

Even if you have a great auto insurance policy in place, not every driver does. Some only carry the minimum requirements, while others don’t carry any. Uninsured motorist coverage is insurance coverage that protects you even when an at-fault driver is not insured.


Say you’re in an accident with a driver who doesn’t have any car insurance. You’re injured and have to stay in hospital for a few days. Along with the hospital bills, there may be physical therapy and other expenses to consider. Because the at-fault driver is uninsured, you can’t file an insurance claim. That means you’re left with mounting bills. This is where uninsured motorist coverage comes in handy.


Why do I need uninsured motorist coverage if I have health insurance?

Health insurance doesn’t provide the same coverage as uninsured motorist coverage. Health insurance would cover your medical bills up to a limit. Uninsured motorist coverage helps to cover your medical bills as well as the medical bills of passengers in the vehicle at the time of the accident. What’s more, uninsured motorist coverage can provide protection for lost wages and car damage.


When you’re looking to secure reliable auto insurance, turn to the professionals at Associated Agencies. Since 1890, we’ve been working with individuals to find the right insurance solutions that suit their needs and wants, all at the right price. We serve Rolling Meadows and neighboring cities in Illinois.

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