Social   Social
Logo
Phone(267)949-6330 
  • Home
  • Get A Quote
  • Products
  • Client Services
  • Our Companies
  • Claims
  • Our Team
    • About Us
    • Sales Team
    • Management Team
  • Contact Us

 

Home > Blog > Protecting Yourself from Uninsured Motorists
THURSDAY, JANUARY 14, 2021

Protecting Yourself from Uninsured Motorists

 cell phone to report accident

In 49 out of 50 states, all registered drivers are required to carry minimum amounts of car insurance. If you are in one of them, then you could face penalties if you get caught driving uninsured.

Just because you obey the law, doesn’t mean others will. And, if you get into an accident with an uninsured driver, then they might not be able to provide the compensation to which you might be entitled. However, if your own auto insurance includes the appropriate coverage—uninsured motorist benefits—then you will have a solution at hand. Here’ why it’s important to look into this critical piece of coverage as essential to your security behind the wheel.

What is uninsured motorist coverage?

Many states have an at-fault insurance system, which means that drivers who are at fault for accidents must pay for their own damage and the damage they cause to others. To pay for third-party damage, you will have to use auto liability insurance. As a result, this coverage is mandatory in most states.

However, in the event that another driver is at-fault for an accident, but doesn’t have liability insurance, then you won’t have a way to claim your own damage against their policy. However, by carrying the added benefit of uninsured motorist coverage on your own plan, you will have a place to turn for your own benefits. This benefit will allow you to make a claim on your own damage and injuries on your own plan, but you won’t have the disadvantage of being labeled an at-fault driver.

Why do I need this benefit?

You can only buy your own auto insurance; you can’t buy it for the driver in the car next to you. As a result, you never know what auto insurance they are carrying, or if they even have it. As a result, it’s best to take responsibility for yourself by enhancing your policy with uninsured/underinsured motorist coverage.

If you get hit by an uninsured motorist, of if you become the victim of a hit-and-run accident, then you will have no way to claim your own damage against the driver’s liability insurance. So, if someone hits your car, causes $15,000 worth of damage, and flees the scene, your uninsured motorist coverage will kick in and cover the damages, instead of you having to pay out of pocket.

By turning to your uninsured motorist coverage, you’ll be able to file for coverage for both the damage caused by the collision and the injuries you might have sustained. Therefore, your personal financial loss for these accidents will likely be lower than it would be if you lacked coverage.

A further benefit to carry alongside uninsured motorist coverage is underinsured motorist coverage. This coverage can come into play if the at-fault driver has liability insurance, but doesn’t have enough to cover 100% of your damage costs. Therefore, after your claim exceeds that person’s liability limits, you can file against your own underinsured motorist coverage for the additional benefits.


Posted 5:00 PM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2015

  • insurance(6)
  • fall home maintenance list(4)
  • auto insurance(2)
  • homeowners(2)
  • condo insurance(2)
  • ho-6(2)
  • condo assessment(1)
  • rental car(1)
  • personal liability(1)
  • bonds(1)
  • drones(1)
  • a blockage in the sanitary main(1)
  • sewer back-up: aging sewer systems(1)
  • life(1)
  • renters insurance(1)
  • combined pipelines(1)
  • tort(1)
  • motorcycles(1)
  • loss assessment(1)
  • nations insurance awareness day(1)
  • insurance agent(1)
  • dirt bikes(1)
  • event insurance(1)
  • liability coverage(1)
  • umbrella insurance(1)
  • drone liability(1)
  • graduation(1)
  • full tort(1)
  • insursance(1)
  • identiy theft(1)
  • umbrella(1)
  • rental car insurance(1)
  • jet skis(1)
  • vendor(1)
  • auto liability(1)
  • condo homeowner(1)
  • wedding(1)
  • limited tort(1)
  • tips at keeping my child safe for graduation(1)
  • destination wedding insurance(1)
  • identity theft insurance(1)
  • contractors(1)
  • life insurance(1)
  • jordan seiken(1)
  • broker(1)
  • independent insurance agent(1)
  • condo(1)
  • insurance waiver(1)
  • insurance waiver for rental car(1)
  • drone insurance(1)

View Mobile Version

Raving Fans

Thank you so much for all the time and careful explanation you shared this morning --- You are SO knowledgeable and well spoken!

I have alerted State Farm that I have found a superior company/policy. So, let's proceed with our plan to begin coverage on Monday, July 22!

Many, many thanks again, Julie!

Cynthia Pierce

Read More

Contact Us

  • Travelers Logo
  • Foremost Insurance Group
  • Safeco Logo
  • Chubb Logo
  • Pure Logo
  • Westfield Logo
  • Nationwide Logo
Social   Facebook

Helpful Site Links

Raving Fans Our Story Awards We Give Back BHHS Fox & Roach Accessibility Privacy Policy Terms of Use
Personal Lines Business Lines Signature Client Services Our Mission Careers Refer A Friend Disclaimer Glossary

Latest Blog Updates

Latest Blog Updates
All Posts
Powered by Insurance Website Builder