Important to check with your insurance professional
As the vacation season ends and we head into fall, it can be tempting to breathe a sigh of relief and start looking forward to lighter traffic here in the desert. However, there is always more you can learn when it comes to staying safe on the roads and planning ahead for any situation. Unfortunately, uninsured and underinsured motorists make up a large part of the driving population, whether it’s beach season or snowman season. In fact, the most recent studies have shown that the number of uninsured and underinsured drivers in the U.S. is actually increasing, while it is estimated that one out of every ten Nevada drivers is uninsured. Before you swear-off driving forever, make sure to check to see if your insurance policy protects you in cases involving uninsured or underinsured motorists.
- Uninsured motorist coverage protects you in the event that you are involved in an accident with someone who does not carry any liability insurance.
- Underinsured motorist coverage protects you if the at-fault motorists liability limits are too low to cover all of the damages or medical expenses that result from the accident.
Uninsured/underinsured motorist coverage makes up a crucial part of your overall insurance policy, and no coverage should be considered “complete” without it. Despite the need for auto insurance, many people still set out on the road without coverage, so it is more important than ever before to give yourself comprehensive protection and minimize your risk of having to pay for costly repairs. Remember to talk with your insurance professional to be sure your coverage meets your needs.
In the event of an accident, remain calm, seek medical attention, and take down as much information about the involved vehicle(s)/driver(s) as possible, especially if any driver is uninsured. The more information you have, the better you and your family’s protection will be. Don’t hesitate to call us for more information.