Coverage Summary California law requires you to have this coverage. See pages 6–7. Uninsured/Underinsured Motorist Coverage is for accidents when the other driver is at fault and does not have insurance or does not have enough insurance. Bodily injury coverage pays medical expenses for you and passengers.

Do you need uninsured motorist if you have Medicare?

You may still want to carry uninsured motorist coverage to avoid complications with medical bills if you are hit by an uninsured driver. It’s good protection to have in place if your bills are high. On the issue of property damage, you are correct.

Which insurance is not required by law?

Virginia and New Hampshire are the two states with unique car insurance laws. There are only two states where car insurance is not mandatory: Virginia and New Hampshire. This is because each state sets its own limits and requirements for the minimums of car insurance a driver must carry when they have coverage.

What types of insurance is mandatory?

Compulsory insurance is insurance that must be legally owned to do an activity, such as auto insurance and driving a car. Other types of compulsory insurance include workers’ compensation and professional liability insurance.

Where are uninsured and underinsured motorist insurance required?

Uninsured/underinsured motorist coverage is required in some states, including Connecticut, Maryland, Massachusetts, Minnesota, Nevada, New York, Oregon and South Carolina, among others. There are two categories of uninsured/underinsured motorist coverage: Uninsured motorist bodily injury coverage and uninsured motorist property damage coverage.

Do you have to have auto insurance if you are uninsured?

People who live in states where it’s required by law Some people need uninsured motorist coverage because it’s required by law. Auto insurance is required in most states, but the types and amounts of insurance required vary.

Is it cheap to have uninsured motorist insurance?

Compared to other types of coverage, uninsured motorist insurance can be cheap. The cost of uninsured motorist coverage usually fluctuates depending on the percentage of uninsured drivers in a state.

Do you need uninsured or underinsured motorist insurance in Louisiana?

Louisiana law also requires car insurance policies to offer what is called uninsured or underinsured motorist insurance coverage. Uninsured motorist coverage provides benefits car insurance policyholders for bodily injury or property damage caused by another driver who does not have car insurance.