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Uninsured Motorist Coverage

Getting cheap car insurance is great, but you must make sure that are not left unprotected. Uninsured motorist coverage is an important part of an auto insurance policy. The insurance provider agrees to pay bodily injury damages that a policy holder is entitled to if the policy holder is involved in an accident where an uninsured person is at fault. An uninsured vehicle is one where there is no liability for bodily injury on the vehicle. In some cases an insurance company may not agree that their policy holder caused the accident and the insurance company denies coverage. An insurance company can become bankrupt before a claim is paid. In Oregon in both these cases, your uninsured motorist coverage will kick in. A hit-and-run driver is also considered an uninsured driver. A vehicle which causes injury or damage by colliding with the insured's car and then drives away is considered a hit-and-run driver. A phantom driver is also viewed as an uninsured driver. A phantom driver is an individual who leaves the scene of an accident after being responsible for the collision without actually hitting anything. You hear about incidents like this happening on a regular basis. Unfortunately not all people who are out driving have insurance, so uninsured motorist coverage is very important. Go ahead and start your quote for cheap car insurance now.