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Uninsured Motorist Auto Insurance

Uninsured Motorist Auto Insurance

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Uninsured Motorist Auto Insurance

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  1. Uninsured Motorist Auto Insurance Is it really worth it? (about 30 slides)

  2. Uninsured Motorist (UM) UM has two parts:

  3. Uninsured Motorist (UM) UM has two parts: • Bodily Injury • Pays medical bills for YOU, your passengers, anyone driving your car

  4. Uninsured Motorist (UM) UM has two parts: • Bodily Injury • Pays medical bills for YOU, your passengers, anyone driving your car • Property Damage • Pays to repair YOUR car, pays for rental car, pays for damage to personal items carried in your car

  5. Uninsured Motorist (UM) UM has two parts: • Bodily Injury • Pays medical bills for YOU, your passengers, anyone driving your car • Property Damage • Pays to repair YOUR car, pays for rental car, pays for damage to personal items carried in your car But why do you need to buy this?

  6. Uninsured Motorist (UM) When two cars crash: The person at fault (or their insurance company) will pay for ALL damage.

  7. Uninsured Motorist (UM) When two cars crash: The person at fault (or their insurance company) will pay for ALL damage. Sorry, my fault. My insurance will pay for everything.

  8. My Bodily Injury Liability will pay your medical bills My Property Damage Liability will pay your repair bills My Collision will pay for my repair bills My Medical Payments (or my health insurance) will pay for my medical bills Sorry, my fault. My insurance will pay for everything.

  9. What if the person at fault hasno insurance?

  10. Sorry, my fault, but I’m irresponsible and I have no insurance.

  11. What?

  12. Sorry, my fault, but I’m irresponsible and I have no insurance.

  13. My Medical Payments (or my health insurance) will pay for my medical bills. My collision insurance will pay for my repairs. Sorry, my fault, but I’m irresponsible and I have no insurance.

  14. My Medical Payments (or my health insurance) will pay for my medical bills. My collision insurance will pay for my repairs. Why would this driver buy Uninsured Motorist insurance? Sorry, my fault, but I’m irresponsible and I have no insurance.

  15. First of all, UM only pays if the other driver was at fault. Sorry, my fault, but I’m irresponsible and I have no insurance.

  16. UM has two parts:Bodily InjuryProperty Damage Sorry, my fault, but I’m irresponsible and I have no insurance.

  17. UM Bodily Injury pays medical bills just like your health insurance does. Why would you buy UM Bodily Injury?

  18. UM Bodily Injury pays medical bills just like your health insurance does. Why would you buy UM Bodily Injury? I have non-family members in the car that don’t have health insurance.

  19. UM Bodily Injury pays medical bills just like your health insurance does. Why would you buy UM Bodily Injury? • Yes, but • the accident was not your fault AND • Your non-family passengers didn’t have health insurance before they stepped into your car. I have non-family members in the car that don’t have health insurance.

  20. UM Bodily Injury pays medical bills just like your health insurance does. Why would you buy UM Bodily Injury?

  21. UM Bodily Injury pays medical bills just like your health insurance does. Why would you buy UM Bodily Injury? UM pays for “pain and suffering”.

  22. UM Bodily Injury pays medical bills just like your health insurance does. Why would you buy UM Bodily Injury? My health insurance has a 20% co-pay.

  23. UM Property Damage pays to repair your car just like your Collision insurancedoes. Why would you buy UM Property Damage?

  24. For UM to paythe other driver must be at fault. • UM Bodily Injury pays for non-family members riding in your car. Your medical insurance will not. • UM Property Damage pays for a rental car, collision doesn’t. • UM Property Damage covers personal items in your car, collision doesn’t. • UM Property Damage deductible is probably lower than your collision deductible.

  25. For UM to paythe other driver must be at fault. • UM Bodily Injury pays for non-family members riding in your car. Your medical insurance will not. • UM Property Damage pays for a rental car, collision doesn’t. • UM Property Damage covers personal items in your car, collision doesn’t. • UM Property Damage deductible is probably lower than your collision deductible. Is UM worth it?

  26. For UM to paythe other driver must be at fault. • UM Bodily Injury pays for non-family members riding in your car. Your medical insurance will not. • UM Property Damage pays for a rental car, collision doesn’t. • UM Property Damage covers personal items in your car, collision doesn’t. • UM Property Damage deductible is probably lower than your collision deductible. Is UM worth it? I don’t think so, but it makes things easier.