If you want to be best protected on the road, uninsured motorist coverage is an important part of your auto insurance.
You care about complying with state law, so you’ve definitely purchased auto insurance. You’re carrying high enough liability limits to be legal on the road and pay for any damages you cause, and you’ve probably purchased some other coverage to protect your vehicle, too. There’s another important coverage component you need to add for full protection on the road: uninsured motorist coverage. Here’s a look at this safeguard.
In California, drivers are legally required to carry liability insurance to pay for bodily injury or property damage they cause while in the driver’s seat. Theoretically, that means that if someone rear ends or sideswipes you, they’ll pay for the damages. Unfortunately, not everyone obeys the law.
In fact, the Insurance Information Institute reports that one in eight drivers on the road is uninsured in the United States! What happens if a driver who isn’t carrying the legally required coverage causes an accident? Sure, you could probably take him or her to court – and spend lots of time and money getting your expenses covered.
Alternately, you can add a very inexpensive coverage to your auto insurance policy. Uninsured motorist coverage is specifically designed to step in when someone who doesn’t have the policy to pay for your damages causes an accident. Instead of going through an arduous, expensive legal process, your uninsured motorist coverage can help cover repairs to your vehicle and medical expenses resulting from the accident.
Is your insurance agent advising you on additional coverage to keep you safe out on the road? To make sure you have the best auto insurance possible, contact Northstar Insurance. Serving Walnut Creek and the neighboring California cities, we’re here to build you the right policy to protect you against the risks you’ll face!