Did you know that one in seven drivers on
the road today is driving without auto insurance? Even worse, it’s estimated that another
two of seven drivers only carry the state-mandated minimum coverage! This means nearly a third of all vehicles on the road either have no coverage or don’t have enough to pay what they’re responsible for should they cause a serious automobile accident. And they’re
all putting YOU at risk! Let’s assume you’re responsibly (and legally) driving with the
appropriate insurance coverages for Liability, which provides you protection when you’re
at-fault in an automobile accident because you’ve injured someone else or caused damage to their property. Coverage for Damage to your Own car (aka Comprehensive and Collision coverage) which helps pay for the damages you cause to your own car in an accident.
And Medical Payments Coverage, which provides you protection to pay for any medical expenses you or the passengers in your own vehicle sustain in an accident. BUT, if you’re involved in an accident with a person who doesn’t carry liability insurance, or has minimal
coverage, you’re likely to have to pay out of your own pocket for your medical bills,
even if the accident wasn’t your fault! An important way to protect yourself
is to add Uninsured Motorists Coverage, or UM coverage, to your auto policy. UM coverage pays damages to you for bodily injury (and in some states property damage) that result from an accident caused by a person who doesn’t carry insurance or from a hit and run driver. In addition
to the problem of uninsured vehicles, remember that two out of every seven drivers on the road purchase bare bones insurance policies to save money. After all, most states only require minimum coverage limits, which are quite low. What if one of those drivers causes a
serious accident and injures you or a family member? Their $25,000 in coverage will likely not be enough to pay your medical bills. By purchasing Underinsured Motorists coverage, or UIM coverage, which is available in most states, you won’t be left holding the bill! Contact your independent agent today to learn more about UM and UIM coverages, and to make sure you and your auto are properly protected!