Do you need uninsured mortorist coverage if you have health insurance?
Well, health insurance won't repair your car will Uninsured Motorist will. Your health insurance won't pay for your friends, relatives, or children's friends who happen to be in your car when you have an accident with an uninsured motorist when they don't have health insurance. If they are injured and have no health insurance they will look to you for payment of their injuries. The cost for U.M. coverage is relatively small for the coverage that you get. Also, if someone hits you and has no insurance the Uninsured Motorists part of your policy will act as if the person had the required insurance that they should have in paying for your losses. After your losses are paid they will go after the other party to recover the costs paid that they should have paid. The costs to collect these funds are paid by your company and once they collect these funds even your deductible will be recovered and sent back to you. The legal costs to collect these costs could be substantial.