Unfortunately some driver’s do not follow the law and drive without insurance. According to DMV.org the Insurance Research Council (IRC) estimates that 1 out of every 7 drivers in the United States is currently driving without car insurance. Some states are now requiring uninsured motorist coverage and you might be wondering what exactly I am paying for?
Uninsured Motorist Coverage
Uninsured Motorist coverage provides protection when you are involved in an accident that is not your fault and the other driver does not carry insurance OR if you are involved in a loss when there driver of the other vehicle fled the scene or “hit and run”. This means there would be no coverage with their insurance company to pay for your expenses as a result of the accident.
These costs include but are not limited to damages to your car, bodily injury to yourself or passengers, or personal property inside your vehicle. Your uninsured motorist coverage could potentially pay for all your losses and pursue the at-fault party directly. It’s safe to say we never want to be involved in an accident but its peace of mind to know you have coverage to protect yourself if something like this were to happen.
The Andrew Agency
The Andrew Agency is an independent insurance agency with access to several insurance companies. If you have questions about uninsured motorist coverage, car insurance or any other type of insurance contact The Andrew Agency at (804) 320-2886.