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

man holding his neck in pain standing in front of a crashed car

Choosing the Right Insurance

Collisions with uninsured motorists are an unfortunately common occurrence in Mississippi, where nearly one-third of drivers don't have insurance. While insurance providers have created coverage to mitigate the costs of uninsured driver accidents, motorists are given the option to reject it.

Often, these rejections come from many questions about whether this coverage is necessary given one's health insurance plan. However, this notion is forgetting a few crucial factors. Here is what you need to know.

Bodily Injury and Property Damage Coverage

Although having good health insurance can be instrumental in helping you heal after an accident, it only goes as far as to cover the injuries. It doesn't protect the passengers (if they aren't on your plan) that may have been injured during the accident, nor does it cover your lost wages, vehicle damage, or other related costs. Obtaining uninsured/underinsured motorist (UM/UIM) coverage ensures that all your bases are covered following these accidents and can help speed up recovery in all aspects of your case.

Lower Costs Before Health Insurance

Another reason why you wouldn't want to neglect UM/UIM coverage simply because of health insurance is that it can result in more out-of-pocket costs. Health insurance can only cover so many doctors, services, and expenses, leaving you to have to make tough decisions about paying a significant amount of money on your medical bills after insurance.

UM/UIM coverage is designed to cover thousands of dollars in medical costs, so it lessens the burden of additional medical bills before your health insurance is even involved.

More Questions? Vollor Law Firm, P.A. Has Answers.

The team at Vollor Law Firm, P.A. is committed to helping you get the best chance at low-cost recovery following an accident. If you have sustained an injury in a collision with an uninsured motorist, we will fight for you to obtain the compensation needed to heal.

Call (662) 269-6188 or fill out this short form to get in touch with a member of our team.