It’s an absolute mistake, no matter how you look at it, to drive a car without any insurance. It doesn’t matter if you think you’re as good driver as an F1 driver… there are millions of people on the road at same time, and perhaps they’re not as skilled or responsible as you think you are. This is why car insurance is more than a necessity, a responsibility of every person in today’s society.

Now, let’s say you and your car are fully covered, but have you ever wondered if everyone else does the same? Perhaps you have, and you already know the answer: thousands of people drive everyday without proper insurance —not even the minimum required by law. These people are a danger not only to themselves, but also to all other drivers on the road.

What happens if I have an accident with an underinsured driver?

There’s no need to worry at all if you have proper insurance coverage. You probably already know that one alternative is to sue the uninsured person that has caused the accident, but this opens an even bigger can of worms: endless time and effort invested with lawyers and other legal issues. So, in simple words, obtaining car insurance is one of the most intelligent decisions you can ever make.

Typically, in normal circumstances, your car insurance will pay for you (or other authorized driver under your policy, if this person is driving the car at the time of the incident), and your passengers in the event of being hit by a non-ensured or underinsured person or hit-and-run driver.

The uninsured motorist coverage:

• Covers you when the at-fault person doesn’t cover all the damages suffered by your vehicle
• Covers all medical expenses, loss wages and other expenses of passengers in your car at the time of the accident
• Pays your medical expenses if you get hit by a car while as a pedestrian

Please remember how important this type of coverage is for you. There are millions of uninsured and underinsured drivers in roads and highways all over the United States, so it’s very wise to add this type of coverage to your car insurance policy. You should add it to your policy even if you are a resident of a no-fault state.

The uninsured coverage may vary by state and also by other dispositions described on your policy. To get a car insurance quote that includes this and other important coverage, just click here.