I already have a health insurance, do I still need to get UM coverage?
Most states require that you simply carry Uninsured Motorist Bodily Injury (UM) even though you have outstanding medical health insurance. If you reside in one of those states then sure, you would need to have UM insurance coverage. In many other states insurance providers have to offer you Uninsured Motorist coverage, nevertheless , you may refuse it in writing if you think that you’ve medical health insurance that will insure your medical costs should you be injured in a car accident caused by a motorist that has no insurance.
First figure out your state’s laws surrounding what their least car insurance insurance coverages are and therefore if Uninsured Motorist is needed or not. In the event that it isn’t mandatory then you definitely have a personal option to decide whether or not you believe as if this particular insurance coverage will be to your benefit or not.
While you might have great health insurance policy we’d nevertheless suggest for you to get hold of your health care insurance company and ensure they cover injuries caused by automobile accidents. Some medical health insurance firms don’t include accidental injuries from automobile accidents from being included therefore it vital that you find out if the particular medical health insurance policy will cover you and your loved ones for accidental injuries caused by an uninsured or underinsured motorist.