When you purchase auto insurance, you have every intention of following the law and making sure that you are covered in the event of an accident or other unfortunate event. Unfortunately, other drivers may not make the same choices. When you sit down with your agent to finish the details on your auto insurance policy, you may consider adding coverage for uninsured or underinsured motorists. Doing so can save you significant time and money in the event that you have a run-in with one of these irresponsible drivers.
Uninsured/Underinsured Motorists Insurance
When you add this coverage to your auto insurance package, you also get coverage for you, your family members, or any other passengers who happen to be in the car. It also protects you if you are in an accident with someone who is not insured. Uninsured motorists coverage may cover several or all of the following things:
- Medical bills and wage loss
- Pain and suffering or disfigurement
- Emotional distress
- Loss of future wages or earning capacity
Your uninsured motorist coverage insurance agent will look at each situation and determine what you are eligible for under your particular policy. Protect yourself, your property, and your family from those who drive irresponsibly and illegally without insurance. If you do have an accident with one of these drivers, chances are good they will not have the money to pay your expenses. When you purchase additional coverage, you ensure that you are protected no matter whom you are dealing with.