Do You Need Uninsured Motorist Coverage?
Most states require drivers to have a minimal amount of vehicle insurance coverage if they drive. California has a minimum requirement of 15/30/5 for drivers, which provides $15,000 worth of injury coverage per person, $30,000 coverage per accident, and $5,000 property damage. This not only protects the driver’s financial security it protects other drivers on the road.
If a driver causes a crash his or her insurance is responsible for the damage caused to other vehicles on the road. The mandatory insurance laws protect everyone on the road from financial liability, no matter who causes an accident.
Despite the laws, and in states where there are no laws, drivers are at risk of being involved in a collision with someone who is not insured. There are circumstances when drivers get behind the wheel of a vehicle without the required insurance coverage. It is illegal, but it happens. If you are unlucky enough to be hit by someone without coverage, you need protection. The same is true if you are involved in a collision with a driver who has inadequate insurance. If they are not paying for enough coverage, you could be left paying for damages and repairs that were not your fault.
Uninsured Motorist Coverage
There is a way drivers can protect themselves from financial liability. Uninsured motorist coverage is available with most policies and it offers coverage in case of an accident with a driver who is uninsured. If you are involved in an accident with someone who has no insurance or does not have adequate coverage, your insurance coverage will pay for any damages to your vehicle. The coverage offers additional protection for worst case scenarios. It provides peace of mind for drivers who are concerned about the risks they face everyday on the road.
Damage to your vehicle can leave you without a means of transportation. If you are involved in an accident, there is a good chance you will need expensive vehicle repairs before you can drive again. If an accident is not your fault and repairs are not in your budget, you could be stuck without a vehicle for some time. Worst of all, you have to suffer because of an accident that was not caused by you. Uninsured motorist coverage ensures you will have the money to make the necessary repairs to your vehicle when you are involved in a crash that is not your fault.
Uninsured motorist insurance is affordable and easy to get. All drivers should consider uninsured motorist coverage, but it is a necessity for people driving in states with no mandatory vehicle insurance laws. Our free search tool can help you find uninsured motorist coverage and the insurance policy that is right for you. You should not be responsible for another driver’s irresponsible behavior. Protect yourself with uninsured motorist coverage.