Staying Protected Against Uninsured Drivers

It doesn’t matter how much liability insurance you have, if a driver without insurance slams into your car, you have a problem. Uninsured motorists are such a serious problem that some states require motorists to carry uninsured / underinsured insurance as well as liability coverage. Even if your state does not require you to carry the coverage, it is a very good way to protect yourself against the unexpected.

Many people think that because they have the state required minimum insurance that they don’t have to worry about the other drivers on the road. But uninsured motorists are considered to have very little regard for other rules of the road as well, which makes the risk of being involved in an accident with one of them much higher than with another insured motorist.

Uninsured / underinsured motorist insurance is the only way to protect yourself against potentially spending thousands of dollars out of pocket when you have been injured or suffered the loss of use of your vehicle because of an accident. The insurance is an additional rider that you have to pay for, but a few dollars a month is a drop in the ocean compared to what a single accident could cost.

In states that use Personal Injury Protection, called PIP, having uninsured motorist coverage may seem redundant, but keep in mind that the coverage is for more than just bodily injury. Uninsured motorist insurance will also pay for repairs to your car if the other person has insurance but not enough to pay for the cost of repairs. In that situation, her insurance will pay up to the limits of the policy and then your insurance will kick in to pay for the remaining expenses.

To find out what it would cost to add uninsured motorist insurance to your policy, use a free online auto insurance quote. You will discover that the cost is affordable, and even more so when you consider that auto accident injuries often require thousands of dollars to treat. And if you don’t already have the coverage, you might want to consider signing up with the insurance company that offers the best deal on your policy, possibly even saving money over your current premiums in the process.

Posted in Car Insurance.