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Quick Guide: Why Uninsured Motorist Coverage Matters

One of the most devastating situations a driver can experience is car accidents. One second, you’re going about your day thinking routine thoughts, and in the blink of an eye, you’re stopped, stunned and struggling to figure out why there’s an ache in your neck and ringing in your ears. In a best-case scenario, each driver involved in a traffic collision can immediately exchange information and have their insurance companies negotiate how to reconcile any damages. Unfortunately, not all drivers on the road actually have auto insurance. ! If an insured driver ever collides with someone who isn’t insured, it can actually end up costing the insured driver out-of-pocket unless their current policy includes Uninsured Motorist Coverage.

What is Uninsured Motorist Coverage:
Uninsured Motorist Coverage is a type of policy which protects drivers if they happen to collide with another driver who doesn’t have any liability insurance. Ending up in such a situation automatically means that the aggrieved driver will have to pay for their own medical treatment and repairs because there is a strong likelihood that uninsured drivers can’t afford to pay for the damages they cause.

Uninsured Motorist Coverage is therefore an indispensable protection to have as a driver because it guarantees that you don’t have to pay for other people’s negligence. Fortunately, numerous states, including California, require all drivers to have Uninsured Motorist Coverage by law. If a driver chooses not to buy it, they must sign a written waiver declaring that this coverage was offered and declined. However, if you d! rive in a state which does not mandate Uninsured Motorist Coverage, it is highly advisable for you to purchase it in order to avoid getting stuck in a preventable financial dilemma.

 Don’t be Afraid to Do Some Homework:
Uninsured Motorist Coverage is just one of the many different protections that d! rivers can get in order to shield themselves from the complicated outcomes of traffic collisions. If you’ve never had to think about the different ways that auto insurance can protect you, do some research to find out about how coverage policies are classified, which ones are required by law, and which ones are advisable regardless of whether or not they’re mandatory. You just might discovery a policy which is well-suited to your personal needs. The more informed you are as a driver, the better it is to make sound decisions whether or not you’re behi! nd the wheel. For more information, visit any of our offices or give us a call at 1-800-639-7654 to find out how Adriana’s Insurance Services can help you stay safe on the road. We got you covered!

 

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