Do I need to add uninsured motorist coverage to my umbrella policy?

It's going to cost an extra $150 a year to add the coverage. Should I do it? What does it cover?

Answer provided by
Emily Maracle
Answered on May 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Adding uninsured motorist coverage to your umbrella policy means that you are protected if you get into an accident with an at-fault, uninsured motorist.
This type of insurance typically covers both bodily injury and property damage. Depending on the policy, it can also cover work loss or other costs associated with accidents.
While an umbrella policy extends your car insurance policy’s limits, it is secondary coverage. If you don’t have uninsured motorist coverage on either your primary policy or your umbrella policy, you will not have any coverage if you get in an accident with an uninsured driver. You’ll be responsible for all costs related to the accident.
You can never have too much coverage with car insurance. If you can afford to add it to your policy, you should consider doing so.

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