They Do Run Run

Recently, I came across a disturbing trend in auto insurance. After reviewing prospective clients policies that they currently had with other insurance companies, I realized that some people were getting auto insurance believing it was “full coverage” although their insurance did not include one of the most important coverage protections. --Uninsured/Underinsured Motorist Coverage. With auto accidents occurring more frequently, health costs skyrocketing, and auto repair costs…well, being auto repair costs…it is important to know how your just-in-case policy is going to work when the just-in-case happens.

Uninsured/Underinsured motorist coverage protects you, members of your household, and your passengers in an accident with a motorist who has no insurance or is underinsured. Uninsured Motorist protection also covers you if you're injured by a hit-and-run driver. The property damage portion of this coverage even extends to your auto in instances where your car is parked and damaged by a hit- and-run-driver. Also, if you or a passenger are injured by someone with insurance limits insufficient to cover your medical expenses (underinsured) then this can kick in to cover the differences. It even applies to you and the members of your household if you or they are injured as a pedestrian(s). Coverage includes payment of medical costs, lost wages, and pain and suffering.

Why have liability which protects others in case you’re at fault in an accident, yet not protect yourself and your loved ones against someone else being careless or driving irresponsibly without insurance?