Car Insurance Information Site
Uninsured Motorist Auto Insurance Provides Protection |
 |
 |
 |
|
All states now require automobile insurance and it is a crime to operate a motor vehicle without the minimum insurance coverage set by each state. Still the reality is that there are many uninsured drivers on the road. So some states will require that you also purchase uninsured motorist insurance. All states now require automobile insurance and it is a crime to operate a motor vehicle without the minimum insurance coverage set by each state. Still the reality is that there are many uninsured drivers on the road. So some states will require that you also purchase uninsured motorist insurance. Uninsured motorists are ten times more likely to drink and drive and three times more likely to be convicted of negligent driving. About 15 percent of drivers do not carry insurance. So it's not surprising that, one in ten of all drivers have been involved in accidents with uninsured drivers. So what should you do if this happens to you and what can you do to protect yourself? At the time of the accident you probably won't know that the other driver is uninsured so you'll need to respond in the normal way. Take notes of the other car's make, model, license and registration number. Also be sure to note the other driver's name and address (although he may not give his correct details). Take notes about the scene of the accident, too, like where road signs were located, or what the lighting and weather were like. Write down what damage there was to the other car and whether that car had its lights on. More information is better than less. Get contact information from any witnesses present. If you have a camera handy, take pictures of the damage, and also try to get a picture of the other driver, since police might need it. If you have a comprehensive auto insurance policy, your insurer will pay for your car to be repaired but you could lose your no claims discount. And then there's the issue of your deductible (that's the first part of the repair expense you have to pay for). You will pay that unless you have a policy that waives the deductible if you're hit by an uninsured motorist. Many drivers with auto insurance carry the smallest amount permitted by law, which may be insufficient to cover the damages caused by a major car wreck. If a driver at fault cannot pay for the out of pocket expenses resulting from an accident that he caused, you will need to carry Underinsured Motorist insurance. Otherwise, you could be saddled with the bills. The most advantageous approach is to drive defensively, always wear a seatbelt, and to purchase uninsured and underinsured motorist coverage with your vehicle insurance policy. About the Author: Despite state laws for all driver's to carry Auto Insurance, there are still drivers on the road with no insurance coverage at all. Because of these irresponsible drivers, many states now also require the additional purchase of protection from Uninsured and Underinsured Motorist Coverage. |
| Useful Products for Car Insurance | |
|---|---|
|
| Search |
|---|
Copyright © 2009 by ArticleLine