Each week here at the Mauceri Group, we have an insurance article dedicated to a coverage that is important for you to understand while you’re looking over any auto insurance quotes, or homeowners insurance quotes you might receive from any of the major insurance companies. Today we’re going to take a look at Uninsured Motorists insurance.
Uninsured Motorists insurance is an important coverage to have when you’re buying an insurance policy from a local insurance agent. Though it is required by law to carry insurance on your car, the sad fact is many people don’t. Because many people don’t carry insurance on their car, you might end up in a situation like this one: Let’s say you’re driving around the city of Denton – a city which has a large population of students. A number of college students don’t have a great deal of money, and perhaps they cut costs and don’t carry insurance on their car – they hit you while driving, and you are not at fault. However, you can’t settle up with their insurance company, because they don’t have one. Due to this you have to file a collision claim, and while the insurance company will help you fix your car, you’ll still be out the deductible. If you have uninsured motorists however, you are covered up the amount stated in the policy.
This coverage also can be chosen for bodily injury. If in a similar scenario while you’re driving around the DFW area, in one of the many cities in the metroplex: Plano, Frisco, McKinney, Dallas, Fortworth, Keller, etc. If someone who has no insurance hits you and injures you – you will be covered to the stated limits for your medical bills.
It’s important to speak to your local insurance agent about the aspects of this coverage. As always, though everyone wants cheap insurance, it’s fully possible to find affordable car insurance with the best coverages possible.
If you have any questions about Uninsured Motorists coverage, you can find us on Facebook, or email us at contact [at] minsuranceagent [dot] com. If you’re ready for a free insurance quote, you can submit your information on our home page, or call us at 214-733-8400.
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