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The importance of having uninsured or underinsured coverage

One of the worst things a person can face is not being able to pay expensive medical bills following a car accident. After a crash, it can be easy to assume that the bills will be paid by the person who was responsible for the accident. According to the National Association of Insurance Commissioners, 49 states, including Georgia, require all drivers to maintain liability coverage on their vehicles to cover damages resulting from a car accident. Unfortunately, many drivers still do not carry auto insurance, or their insurance is not sufficient to cover the expenses of an accident.

People may wonder if there is a way to prevent the bleak outcome resulting from being hit by an uninsured or underinsured driver. According to Allstate Insurance Company, uninsured and underinsured motorist protection can help to pay the medical bills if the other driver’s insurance is not sufficient to cover damages. These policies are usually flexible and affordable. They can vary in coverage from several thousand dollars up to $1 million—or even more.

Drivers who are looking into uninsured and underinsured motorist coverage should consider several factors, including:

  • The amount of coverage they can afford to pay
  • Their own medical insurance coverage and what their medical bills might amount to with a serious injury
  • The coverage their own auto insurance policy offers

Sharing the road with drivers who don’t have adequate auto insurance can be like playing a game of Russian roulette. Investing in an uninsured and underinsured policy can offer peace of mind to drivers and their families.

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Atlanta, GA 30305

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