by Daniel McClain on Apr 30, 2015
Take a minute to consider this scenario: You’re a responsible, law-abiding driver with proper auto insurance and a good driving record. One day someone runs a stoplight and slams into your car, breaking your arm and totaling your vehicle.
Unfortunately, the individual at fault was driving uninsured and though they will likely face pricey penalties, you are now burdened with all of your own medical expenses and vehicle repairs.
With uninsured motorist coverage, however, you’ll receive financial help for costs associated with your injuries after being in an accident with an uninsured driver. Though this coverage is limited to medical expenses, drivers typically have the option to invest in uninsured motorist property damage coverage that helps to cover any repair or replacement costs.
Also known as uninsured motorist bodily injury insurance, uninsured motorist coverage provides financial assistance for:
For extra assurance, uninsured motorist coverage also covers you and your passengers if you are injured in a hit-and-run accident, where the driver – insured or not – flees the scene and cannot be located.
Like many insurance policies, you have the power to select the options that best fit our wants and needs. Though many states are beginning to require the mandatory inclusion of uninsured motorist coverage in insurance policies, it’s your responsibility to select your limit range. Understanding the limits of auto insurance will make choosing the right coverage easier for you.
With a reported one in every eight drivers uninsured, proper insurance can be a lifesaver when it comes to paying for injury expenses. Contact the Insurance Center Associates to find the perfect coverage for your wants and needs. Start today!
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