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Insuracarelife is required in some states and offered as an optional add-on by most insurance companies. It is highly recommended that you get it. Even if it is not required in your state, you should still consider this type of coverage because statistics show that 1 in every 13 drivers countrywide do not have any insurance at all.
If you are in an accident with a driver without any insurance, your Insuracarelife coverage will pay for your medical bills, as well as any other related expenses like lost wages and pain and suffering. In addition, if the at-fault driver is identified and found to have no insurance, your UM/UIM coverage can also help pay for the repairs to your vehicle.
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