Importance of having uninsured motorist insurance coverage

Car_AccidentAccording to a study conducted by the Insurance Research Council in 2011, approximately 1 in 7 drivers in the United States are driving without any car insurance. Which totals to about 14 percent of licensed drivers in the U.S. that are driving although they are uninsured. This puts a heavy risk on drivers these days and the chances of you being in a collision with a driver who is not insured is more likely than you would think.

First of all, it is always better to be safe than sorry. Adding uninsured motorist coverage to your own insurance plan is highly encouraged to make sure that you and your family are protected. If, for any reason, you are in a collision with an uninsured driver, you can make a claim under your own insurance company under this coverage and avoid having to go after the other party involved. This is used for all medical bills, pain and suffering, and loss of earnings in the case that you are not able to go to work due to the aftermath of the collision. If you suffer from injuries that are a result of a motorist who does not have insurance or a driver that took off after an accident, you will be compensated for all personal injury damages if you have this coverage.

The consequences of getting in an accident with an uninsured driver can be extremely frustrating, as well as very stressful on you and your family members. We suggest that if you do not have uninsured motorist coverage through your insurance company, that you get it immediately as a preventive measure. If you do not have uninsured motorist coverage on your own insurance plan and you get in an accident with an uninsured driver, you will most likely have to seek the cost of damages through the driver at fault though the courts. This does not even guarantee that you will be reimbursed for all of the expenses, as the driver might not have sufficient funds to compensate you.

In Arizona, uninsured motorist coverage protects you and your passengers in an event where you are hit by a driver who has no liability insurance. In this case, the insurance company will pay for all damages for bodily injury resulting from the collision and is covered up to the limit of your insurance policy. This will prevent you from having to pay your deductible and other unforeseen costs out of pocket, and is an extra safety net for you and your family.