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To help protect against uninsured drivers, consider buying uninsured motorist insurance because it protects, up to its limitations, bodily injury and damages to personal property as a result of an at-fault, uninsured driver.

Uninsured motorist ("UM") is a valuable auto insurance coverage to have during the holidays because there is an increased number of travelers on the road for family visits and since alcohol consumption increases during the holidays, it may increase the risk of drunk driver related accidents. Some state laws even make the coverage mandatory because it's so valuable. Other states make the policyholder sign an acknowledgement that UM has been explained, offered and refused.

UM plays an important roll in protecting against drivers who are not insured. It helps cover bodily injuries sustained by drivers and passengers and also carries a certain amount of protection against personal property. The amount of protection
can be selected the the policyholder and, of course, the higher the coverage the more it may cost; however, do not be discouraged because the added protection may not cost more than a few bucks a month!

Aside from protection against the drivers without car insurance, it may also help protect against the "underinsured drivers" out there carrying too little coverage to pay for the incurred losses. Did you know that some states such as California only require drivers to carry $5,000 of property damage liability? That's not nearly enough to cover damages to a middle priced vehicle with structural damage.

Get a Quote on Uninsured Motorist Auto Insurance

There are two options to getting car insurance quotes:

1. The Hard Way - Pick a few insurer websites, visit them directly and repeatedly answer similar questionnaires over and over.
2. The Easy Way - Visit OnlineAutoInsurance.com, complete one set of questions, get car insurance quotes immediately online from quality brand name companies.