Question: If you have health and car insurance won’t that cover both myself and any passengers in my car if I get hit by an uninsured driver?
Your own health insurance will cover you subject to the deductible in that policy. Your auto policy will cover the damage less the deductible and may have some coverage for personal injury. Discuss the coverage with your insurance agent. Neither of these policies will not cover the typical medical bills of third party passengers. However, if you are at all liable your auto policy should cover that liability cost for any third party.
If you do not have uninsured or under-insured coverage in your own policy you should discuss the coverage with your insurance agent. It should pay without any deductible. Under insured provides you more coverage if the uninsured motorist you are involved with has insufficient insurance to cover all damages. About 13% if drivers in the US are uninsured so consider protecting yourself with additional coverage if you do not currently carry uninsured and under-insured Coverage.
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