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The Importance of Uninsured Motorist Insurance

Responsible drivers understand that vehicle insurance is an important part of driving. There are a few states that do not require insurance, but even if you have an option, you should get a reasonable amount of coverage to protect you, your vehicle, and the vehicles on the road around you. Unfortunately, not everyone on the road is responsible and there are drivers out there who do not have auto insurance. Should you be involved in a collision with an uninsured driver, the responsibility lies with your insurance for fixing damages and covering other related costs. This means you could be paying for damages, even though an accident was caused by another driver and was not your fault.

Protecting Yourself

This is why uninsured motorist insurance is so important for responsible drivers. You need to know that whoever causes an accident, you will have the protection of insurance coverage. There are a lot of expenses related to collisions. When your car is damaged, your collision coverage will pay for some of cost not covered by the at-fault driver’s insurance. If the at-fault driver has no insurance, your insurance will need to cover all of the costs, minus your deductible. For instance, if an uninsured driver hits you and the damage to your car totals $5,000, but you have a $1,000 deductible, the insurance company will cover $4,000 of the repair costs.

How Uninsured Motorist Insurance Protects You

However, collision coverage does not protect you should you be injured in an accident or face any other costs associated with the collision. If you are injured in an accident caused by an insured driver, his or her liability coverage will be used to compensate you. If a driver with no insurance causes the accident, there is no liability coverage available to help you. In order to be compensated for costs associated with an accident other than those related to vehicle damage, you will need uninsured motorist insurance coverage in your policy.

Uninsured motorist insurance coverage is usually not that expensive. Some vehicle insurance companies include the coverage as part of a higher-end plan. For instance, if your state offers the option of minimum coverage and you choose only liability coverage, you will likely need to pay extra for uninsured motorist coverage. However, if you choose a more expensive plan with a higher quality of coverage, it might be included in the plan without a specific additional cost. Regardless what type of plan you choose when purchasing auto insurance, be sure to ask about uninsured motorist coverage. You need to take responsibility for your protection when on the road. Your insurance agent can help you determine how uninsured or underinsured motorist insurance should be handled on your specific policy.

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