Imagine this: you’re sitting at a stoplight, it turns green, and you press down on the accelerator. As you roll out into the intersection, another driver runs the red light and crashes head-first into the side of your car. What is probably one of the first thoughts that pop into your head? I hope they have insurance.
But what happens if they don’t?
If you don’t have uninsured motorist coverage, your collision coverage will cover the damage to your vehicle, but it will not cover any injuries to yourself or to passengers in your car. This could leave you paying out of pocket for thousands in medical bills.
Uninsured motorist coverage is a smart option, because it is very inexpensive, and it typically has a low deductible of around $250. Collision coverage, on the other hand, has a deductible of anywhere from $500 - $1000. That means if you are hit by a driver who doesn’t have insurance, you’ll have to pay up to $500 or $1000, depending on your deductible, before your insurance company will cover the rest of the repairs to your vehicle. If you have uninsured motorist coverage, however, you’ll only have to pay the uninsured motorist deductible of around $250. Another benefit of having uninsured motorist coverage is that a claim filed under this type of coverage will not cancel your claim free discount with your company.
Uninsured motorist coverage is important to have to ensure that you’re covered in the event that you are hit by a driver without insurance, or if the limits on their insurance are too low to cover the cost of the accident. It is inexpensive, and will not add much to your monthly premium.
If you’re not sure whether or not you have uninsured motorist coverage on your auto policy, call us to ensure that you’ve got the coverage you need!
No comments:
Post a Comment