One in every seven car accidents involves an uninsured motorist. An uninsured motorist is a driver that does not have insurance and is illegal in all states except for New Hampshire. Making sure you have uninsured motorist insurance can help save you hundreds or thousands of dollars if you are ever involved in an accident with an uninsured motorist. There are two segments of uninsured motorist insurance to take into consideration.

• Uninsured motorist bodily injury. This pays for the medical costs, pain and suffering, and loss of earnings due to injuries to the driver and passengers that are due to an accident.
• Uninsured motorist property damage. This pays for repairs to your vehicle that are caused by an uninsured motorist. There is a limit to the amount that will be covered, so having collision coverage can make sure that your car gets fully repaired.

Young Insurance urges you to look at your auto insurance policy to make sure you are covered in case of an accident with an uninsured motorist.