There are reports that as the economy tightens and household budgets become more squeezed - families may elect to not pay for items like car insurance.
Which brings more attention to an optional coverage like Uninsured Motorist, which you can buy and add to your auto policy.
UM is sometimes misunderstood. It has nothing to do with your vehicle. It DOES have to do with injuries in YOUR vehicle caused when another driver hits you.
If someone rear-ends your vehicle and you (and/or passengers) are hurt, you expect the other driver to carry insurance to pay for your needed medical attention and rehabilitation.
But if the other driver has NO insurance, you may be stuck footing those medical bills yourself.
This is where Uninsured Motorist kicks in.
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