This is coverage that offers payments for damages to your truck caused by another vehicle that does not have any insurance, or does not have enough insurance to cover all of the bills. This coverage is mandatory in New York, Illinois, Maryland and many other States.

Uninsured Drivers 1 out of 7 drivers are uninsured.

If you have never been involved in an uninsured motorist accident, it may be hard to see the need for this coverage. However, the fact remains that you have a 1 in 7 chance of this actually happening. Accidents involving “hit and run” incidents are usually considered to be an uninsured motorist accident according to insurance law in many States. This leaves a high amount of risk that if you were in an accident, it would be with an uninsured driver. That’s not a risk any trucker should take. So don’t overlook your uninsured motorist limits. Your chances of being left exposed to a bad financial situation are lower with higher limits if you get hit by a driver without insurance.

Underinsured Drivers

Many drivers are underinsured and have opted to take out the cheapest insurance possible. Often, these underinsured drivers buy insurance up to the minimum limits required by their state. Most of these policies would not be sufficient to cover extensive damage caused to your truck. Uninsured motorist coverage would kick in after the limit on the other insurance policy was paid out. Gambling with your truck insurance coverage is never a good bet.