As military personnel, you understand the importance of being prepared for unexpected situations. One area where you may not have considered your coverage needs is with regard to uninsured motorists. While Tricare offers comprehensive health insurance coverage for you and your family, it may not cover all your medical bills after a car accident. That's where uninsured motorist coverage or “UM” comes in. In this article, we'll explore what you need to know about Tricare and uninsured motorist coverage.
What is Uninsured Motorist Coverage?
Uninsured motorist coverage is an insurance policy that protects you in the event you are in an accident with a driver who does not have insurance or has inadequate insurance coverage. If an uninsured driver is at fault for your auto accident, your own insurance policy can cover your medical bills, lost wages, and other expenses related to the accident if you have uninsured motorist coverage.
Why Do You Need Uninsured Motorist Coverage with Tricare?
Tricare is great, but it may not cover all the damages or medical bills that result from a car accident, as we talked about above. So, if you are in an accident with an uninsured or underinsured driver, you may be responsible for the costs associated with the accident, and this includes expensive medical bills.
This is where uninsured or underinsured motorist coverage comes in. By adding UM or UIM coverage to your auto insurance policy, you can protect yourself and your family from the financial consequences of an accident with an uninsured driver.
How Does Uninsured Motorist Coverage Work with Tricare?
When you add uninsured motorist coverage to your auto insurance policy, you can select the coverage amount that works best for you. More coverage is usually better. This UM coverage will kick in if you are in an accident with an uninsured driver and that driver is at fault for the accident. Depending on the specifics of your policy, uninsured motorist coverage can provide coverage for medical bills, lost wages, pain and suffering, and other expenses related to the accident.
It's important to note that Tricare is considered a secondary payer to other insurance coverage. This means that if you have other insurance coverage, such as uninsured motorist coverage, Tricare may only pay for your medical expenses after your other insurance coverage has been exhausted.
How to Add Uninsured Motorist Coverage to Your Auto Insurance Policy
Adding uninsured motorist coverage to your auto insurance policy is a simple process. Contact your auto insurance provider to discuss your coverage options and select the coverage amount that works best for you. You may also be able to add uninsured motorist coverage as part of a larger insurance package that includes other types of coverage, such as property damage, bodily injury, or comprehensive coverage.
Summary of This Article on Tricare & Uninsured Motorist Coverage
Adding uninsured motorist coverage to your auto insurance policy is one way to protect yourself and your family from the financial consequences of an accident with an uninsured or underinsured driver. Remember that while Tricare offers excellent health insurance coverage, it does not cover damages or injuries resulting from a car accident. By adding uninsured motorist coverage to your auto insurance policy, you can ensure that you have comprehensive coverage in the event of an accident.
Do You Need a Florida Car Accident Lawyer?
If you have been injured in a car accident as a result of a negligent, reckless, or careless driver, you should speak with an experienced Florida car accident lawyer as soon as possible because you may be entitled to compensation. You can contact us online or you can call our Orlando, Florida law office at (321) 352-7588 to schedule your consultation.
If you need a South Carolina car accident lawyer, please don’t hesitate to reach out to us at (843) 638-6590. We have at least one lawyer licensed in Florida, Georgia, South Carolina, and North Carolina.
Want to learn more about personal injury claims? Download our FREE E-Book: P.I. 101: Your Quick Guide to Personal Injury Claims.
