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Importance of Personal Uninsured, Underinsured, and Collision Coverage

Car insurance can be expensive, which is why many people will choose the type that willsave them the most money. However, this will not protect them in the event of anaccident. Many people will end up with bills, broken vehicles, and very few or no optionsfor getting back on the road. This is why it is important to understand what options areavailable to you and what they mean for you in the event of an accident.

Uninsured/Underinsured Coverage (UM)

Uninsured and Underinsured (UM) coverage is one of the most important decisions thatyou can make when you are shopping for insurance. If you are involved in an accidentwhere you want to recover compensation due to someone’s negligence, it will play a vitalrole. It is a type of insurance that applies when the at-fault party has no liability coverageto compensate you for your injuries after an accident. In many states, there are minimumrequirements for what you must carry, which puts you and others at risk when you are ina serious accident and need covered.

You may be surprised to find that in many states, over 20% of all drivers are uninsured.This could pose a serious risk to your finances when you become injured. These statisticsshow that many drivers would not be able to pay you for body or property damage whena collision occurs. This is always important to remember when you are making yourdecision.

Collision Coverage

Collision coverage usually goes hand in hand with comprehensive coverage.Comprehensive coverage, however, pays for your vehicle to be replaced or repaired if ithit an object like a tree or a guardrail. Collision insurance, on the other hand, pays foryour vehicle to be replaced or repairs in the event of hitting another object or when it ishit by a hit-and-run driver. To find out more about your options to protect yourself in anaccident, call us today. We can help you when you have been involved in a car accidentand need immediate help.