Be sure to select the Uninsured/Underinsured Motorist policy in your auto insurance.
Most of us wouldn’t dream to drive a vehicle on the roads without the right insurance in place. After all, liability lawsuits, car expenses, and property damages can result in extremely high costs. The unfortunate reality of it is, is that many people drive daily without insurance in place, never mind the bare minimum.
(Un)Likely Situations
Of course, your auto insurance will protect you – up to a certain limit. Should you exceed that limit, you are on your own to foot all of the bills and expenses. If you were the victim of a hit-and-run, (either in a vehicle, on a bike, or as a pedestrian), you could file an ‘uninsured’ motorist claim. With over 13 percent of motorists across the nation with no insurance (i.e. 1 in 7 drivers), the possibility of you getting into an accident with one of these drivers is entirely possible.
Proper Protection
For example, should you get hit by a driver who has no insurance or not enough insurance to cover your medical bills, car repair expenses, and lost wages, you may be left paying for your own damages. Fortunately, there is protection, within your auto insurance – Uninsured/Underinsured Motorist Coverage. In addition, excess Uninsured/Underinsured Motorist coverage from a personal umbrella policy pays after the auto policy’s Uninsured/Underinsured Motorist coverage has been exhausted.
If you think you’re safe from getting into an incident with no or too little insurance, think again. Coverage is essential to have on the roads, as others could be lacking in protection. To secure this policy, contact the professionals at Kurt Rolf Insurance Agency, serving Hopkins and neighboring cities in Minnesota!
