Uninsured Motorist Auto Insurance: Important Protection
Despite state law and regulation for all driver's to carry adequate liability insurance, there are still those drivers on the road with no insurance coverage at all. Due to this negligence on the part of irresponsible drivers, many states now also require the additional purchase of uninsured and underinsured motorist coverage.
Uninsured motorists are ten times more likely to drink and drive and three times more likely to be convicted of negligent driving. About 15 percent of drivers do not carry insurance. So it's not surprising that, one in ten of all drivers have been involved in accidents with uninsured drivers. So what should you do if this happens to you and what can you do to protect yourself?
When an accident happens, it's hard to know whether or not the other driver has insurance. You should respond the way you would to any accident. Write down as much information as you can about the other car, like make and model, and license and registration numbers. Get the other driver's information as well, keeping in mind that he might not be telling the truth.
Take notes about the scene of the accident, too, like where road signs were located, or what the lighting and weather were like. Write down what damage there was to the other car and whether that car had its lights on. More information is better than less. Get contact information from any witnesses present. If you have a camera handy, take pictures of the damage, and also try to get a picture of the other driver, since police might need it.
If you carry comprehensive auto insurance, then your insurance company will pay for all of the repairs to your car. However, you may lose any discounts that you receive for not filing claims and may have to cover a deductible before the insurance company pays for anything. If you are hit by an uninsured motorist, then you will have to pay the deductible unless your policy specifically waives that requirement.
Drivers that have their cars insured may carry just the minimum legal limit and this may be less than what is necessary to cover any damages in an accident which is their responsibility. Unless you have underinsured motorist insurance, in incidents where the at-fault driver cannot cover the left over expenses out of pocket, these expenses could be left with you.
When you buy your auto insurance policy, the best thing you can do is purchase uninsured and underinsured motorist coverage. When you are driving, be alert, drive defensively, and always wear your seatbelt. - 2368
Uninsured motorists are ten times more likely to drink and drive and three times more likely to be convicted of negligent driving. About 15 percent of drivers do not carry insurance. So it's not surprising that, one in ten of all drivers have been involved in accidents with uninsured drivers. So what should you do if this happens to you and what can you do to protect yourself?
When an accident happens, it's hard to know whether or not the other driver has insurance. You should respond the way you would to any accident. Write down as much information as you can about the other car, like make and model, and license and registration numbers. Get the other driver's information as well, keeping in mind that he might not be telling the truth.
Take notes about the scene of the accident, too, like where road signs were located, or what the lighting and weather were like. Write down what damage there was to the other car and whether that car had its lights on. More information is better than less. Get contact information from any witnesses present. If you have a camera handy, take pictures of the damage, and also try to get a picture of the other driver, since police might need it.
If you carry comprehensive auto insurance, then your insurance company will pay for all of the repairs to your car. However, you may lose any discounts that you receive for not filing claims and may have to cover a deductible before the insurance company pays for anything. If you are hit by an uninsured motorist, then you will have to pay the deductible unless your policy specifically waives that requirement.
Drivers that have their cars insured may carry just the minimum legal limit and this may be less than what is necessary to cover any damages in an accident which is their responsibility. Unless you have underinsured motorist insurance, in incidents where the at-fault driver cannot cover the left over expenses out of pocket, these expenses could be left with you.
When you buy your auto insurance policy, the best thing you can do is purchase uninsured and underinsured motorist coverage. When you are driving, be alert, drive defensively, and always wear your seatbelt. - 2368
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Because of the many uninsured and underinsured drivers on the road, many states require drivers to buy Auto Insurance for protection from Uninsured and Underinsured Motorists.
posted by Frank Potter at 9:33 AM
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