Reader’s Question:

Can you please tell me why Uninsured Motorist insurance is important? Am I not covered by my car insurance in Nebraska no matter who I may get involved in an accident with?

Therese

Omaha, NE

Uninsured Motorist Bodily Injury (UM) covers you, your passengers and the insured members of your household for bodily/personal injuries, damages or death caused by an at-fault hit-and-run or uninsured motorist. If you are involved in an accident where the other motorist is at fault but has no insurance, your insurance policy will cover your medical expenses, up to the limit on your insurance policy.

The decision to buy uninsured motorist coverage in Nebraska is really up to you and your car insurance needs. You need to consider the different risks that you, your car and possible passengers of the vehicle are going to face when out on the roadways.

Your current insurance company or agent, who knows what specific insurance coverages you already have in effect, could inform you if uninsured motorist insurance is worth having.