Insurance Curator 
The Importance of Uninsured and Underinsured Motorist Coverage
Imagine this: you’re driving down the highway, singing along to your favorite song, when suddenly, out of nowhere, a car slams into you. Your heart races as you try to regain control of your vehicle, but it’s too late. You’ve been hit by an uninsured driver.
Now what?
This is where uninsured and underinsured motorist coverage comes in. It’s a type of insurance that protects you in the event that you’re in an accident with a driver who either doesn’t have insurance or doesn’t have enough insurance to cover the damages.
The Reality of Uninsured Drivers
According to the Insurance Research Council, one in eight drivers on the road is uninsured. That’s a staggering statistic, and it means that if you’re in an accident, there’s a good chance the other driver may not have insurance.
But what does that mean for you? Well, if you don’t have uninsured motorist coverage, it means you could be left footing the bill for all the damages – even if the accident wasn’t your fault.
Underinsured Drivers: A Hidden Danger
But what about underinsured drivers? These are drivers who have insurance, but not enough to cover all the damages in an accident. This is a common problem, as many people opt for the minimum amount of insurance required by law, which often isn’t enough to cover the full cost of an accident.
If you’re hit by an underinsured driver and you don’t have underinsured motorist coverage, you could be left paying for the difference out of pocket. And that can add up quickly.
The Benefits of Uninsured and Underinsured Motorist Coverage
So why should you consider adding uninsured and underinsured motorist coverage to your policy? For one, it gives you peace of mind. Knowing that you’re protected in the event of an accident with an uninsured or underinsured driver can take a lot of stress off your shoulders.
But it’s not just about peace of mind. Uninsured and underinsured motorist coverage can also save you money in the long run. If you’re in an accident with an uninsured or underinsured driver, this coverage can help cover the cost of medical bills, car repairs, and even lost wages if you’re unable to work due to injuries.
Real-World Examples
Let’s look at a real-world example. Sarah was driving home from work when she was hit by a driver who ran a red light. The driver didn’t have insurance, and Sarah was left with a totaled car and a broken arm. Luckily, Sarah had uninsured motorist coverage, which helped cover the cost of her medical bills and a new car.
Or take John, who was hit by a driver who only had the minimum amount of insurance required by law. The damages from the accident exceeded the other driver’s policy limits, but John had underinsured motorist coverage, which helped cover the difference.
The Bottom Line
Uninsured and underinsured motorist coverage may not be required by law, but it’s an important addition to any insurance policy. It can protect you from the financial burden of an accident with an uninsured or underinsured driver and give you peace of mind on the road.
As we look to the future, it’s likely that the number of uninsured and underinsured drivers will continue to rise. That’s why it’s more important than ever to make sure you’re protected with uninsured and underinsured motorist coverage.
Don’t wait until it’s too late. Talk to your insurance agent today about adding this important coverage to your policy. It’s a small price to pay for the protection and peace of mind it provides.