Insurance Insights: Protection From Uninsured Motorists
According to the Insurance Research Council, about one driver in eight is driving this nation’s roads without automobile insurance. If an insured driver were to get into an accident with an uninsured driver, the insured driver would have to pay out-of-pocket for damages and medical expenses or go after the at-fault uninsured driver in court. Fortunately, there is an alternative in the form of “uninsured motorist coverage,” which provides coverage for accidents in which the other driver is both legally responsible for the accident and not insured. This type of coverage is also commonly bundled with “underinsured motorist coverage,” which is designed to provide the insured with compensation that is above what is allotted by the at-fault party’s policy.
It’s important to understand how uninsured and underinsured motorist coverage works where you live. Then, you can choose coverage limits that would work for you in case of an accident. To learn more, please call our office. We are more than insurance specialists; we are your advocates. We make ourselves available to clients, explaining coverage options and navigating issues until they’re resolved.
Quick Tip: Many states require drivers to carry at least uninsured motorist coverage, if not both uninsured and underinsured motorist coverage.