Why uninsured motorist

Second, other people have insurance coverage but they do not have the enough insurance coverage for the harm they cause. We recommend you purchase as much as you can afford. Ask your agent to quote several different levels of coverage - you will be surprised at how inexpensive the coverage is. Then, pick an amount of insurance coverage that works with your overall budget, keeping in mind the extra risk of injury and financial loss you face in the event you have a wreck on your motorcycle.

In appropriate cases, we employ the services of others such as engineers who have training in accident reconstruction to assist us in this effort. And, we advance all case expenses so you are never out pocket any money to pursue your rights. Contact us online or call us anytime of day at or toll-free at Please do not include any confidential or sensitive information in a contact form, text message, or voicemail.

Check with the insurance division in your state to see if they offer such a program. Shop around and learn how you can reduce your car insurance costs and look for insurers that specialize in writing policies for lower-income consumers. Specific options for uninsured motorist coverage vary by state and insurer, but in general there are three types of protection:. Next steps: Protect yourself from unhinged drivers, too— prevent road rage incidents.

Uninsured motorists are relatively common With the exception of New Hampshire, every state in the U. Make sure you're insured Don't go without at least a basic auto insurance policy. In addition, UM insurance will reimburse you and your passengers for lost wages. Though you may be a savvy driver who abides by the rules and has the right coverage in place, unfortunately there are still people on the road without proper protection.

It includes coverage for the insured members of your household, as well as the passengers in your vehicle. Their insurance will pay for injuries up to their policy limit, and your underinsured motorist coverage will step in and cover the remaining amount up to your policy limits.

This coverage even protects you for injuries sustained from hit-and-run accidents. Take a look at our tips for handling an accident with an uninsured driver. You also might hear of uninsured motorist property damage liability coverage. So do you actually need underinsured or uninsured motorist coverage? It depends. Some states require one or both of the coverages, while other states offer them as optional coverage.