The Importance of Uninsured Motorist Coverage
Some of the wisest insurance money you will ever spend may very well be for uninsured/underinsured motorist coverage. In the event you are in a car accident, you cannot control whether or not the at-fault driver who struck you has insurance coverage, but you can choose to protect yourself. Unfortunately, many drivers do not have insurance or have low coverage amounts that do not adequately compensate you.
Uninsured/underinsured motorist coverage protects you when the at-fault driver either has no insurance coverage or has coverage that does not fully compensate you for all your damages (medical expenses, loss of income, loss of consortium, etc.) You will also be covered if you are involved with a hit-and-run driver who flees the scene and you are unable to track down. Uninsured/underinsured motorist coverage is often inexpensive and definitely worth the peace of mind you can have knowing that you are protected.