What Is Uninsured Motorist Coverage?
Posted in Car Accidents
An uninsured motorist is a driver who does not have automobile insurance coverage. If you were to get into an automobile accident due to someone else’s reckless driving or driving error, you would hope that the driver who caused the accident has motor vehicle insurance to cover the cost of damage to your vehicle.
Even though it is required by law in both Georgia and Arizona for drivers to have liability insurance, unfortunately not every driver follows this law and many drivers do not have insurance coverage. This puts you, the victim, in a predicament, even though the accident was not your fault. Luckily, this is when uninsured motorist vehicle insurance comes in. By having uninsured motorist coverage, any medical expenses and damages to your vehicle would be covered under your uninsured motorist coverage.
How Does Uninsured Motorist Coverage Work?
Uninsured insurance coverage works by giving you the compensation you would receive if the driver who caused your accident was insured. By including uninsured motorist coverage in your insurance policy, you are ensuring that any medical expenses, vehicle repairs or damage expenses will be covered by insurance in the case that you get into an accident with an uninsured driver. Uninsured motorist coverage also covers expenses that happen when a hit and run accident occurs.
Should You Get Uninsured Motorist Coverage?
Uninsured motorist coverage is not required in the state of Georgia or Arizona, but it is recommended in order to protect yourself in case of an accident. Drivers often feel frustrated that they have to pay an additional amount for uninsured motorist coverage just to compensate for the fact that they may get into an accident with an uninsured driver. It seems unfair that you have to pay extra to be covered just because another driver is breaking the law by being uninsured.
Although it can be frustrating, it is better to be safe by extending your car insurance policy to include uninsured motorist coverage. If it is in your budget, we do recommend that drivers receive uninsured motorist coverage. This coverage ensures any expenses will be covered in the incident that you do get into an accident with an uninsured driver. It is always better to be proactive when it comes to your safety and finances!
Contact Cruz & Associates with Additional Questions
If you have any additional questions about uninsured motorist coverage, or if you have been in an accident where an uninsured motorist was at fault, give our office in Atlanta or Phoenix a call today. Our bilingual legal team will help you understand what your options are and walk you through the next steps following the aftermath of your car accident. Call us today for a free consultation.