Why You Should Consider Uninsured Motorists Coverage

Why You Should Consider Uninsured Motorists Coverage

When purchasing automobile insurance, one of the questions you will be asked is if you would like to add under-insured or uninsured motorist coverage. While this coverage is not mandatory in many states, and some may view this protection as unnecessary, there are some very good reasons to consider it. The first reason is that nearly 15% of all drivers on the road are uninsured. This, in spite of the fact that automobile insurance is a requirement in every state except New Hampshire. But there are other good reasons to add uninsured motorist coverage beyond the fact that almost one in seven of your fellow drivers don’t carry insurance at all.

What is Uninsured Motorist Insurance?

Uninsured motorist insurance steps in to provide you protection in case of injury or damage caused by a driver who either lacks insurance or doesn’t have sufficient coverage to cover your damage or injuries.

Is Uninsured or Under-insured Motorist Coverage Expensive?

You may be surprised at how affordable this type of coverage can be, especially with an independent insurance agent working for you. They can search multiple companies to find coverage you deserve at a price you can be comfortable with.

Can’t I Just Sue an Uninsured Motorist for Damages?

Good luck with that. If a person is driving illegally without insurance, odds are they may not have the financial resources to pay, even if you won your lawsuit. You will also want to consider that your life will become a bit more complex following any injury/damage accident. Adding legal proceedings to that situation will not help.

If you would like more information on under-insured and uninsured motorist insurance, we encourage you to contact us. Our independent insurance agents can not only answer your questions but may be able to provide a money-saving quote on your automobile insurance. If you don’t currently have uninsured motorist insurance coverage included in your automobile insurance policy, consider adding it. Let us show you how affordable it may be. 

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