The Importance of Uninsured Motorist Coverage

The Importance of Uninsured Motorist Coverage:
I see it time and time again that a client that has been injured in an automobile accident and can not get the benefits they deserve because they have failed to purchase Uninsured/Underinsured Motorist Coverage. What most people do not understand about their insurance coverage is that they believe that if they have Bodily Injury Coverage, they are “fully covered”, this could not be further from the truth.
Bodily injury Coverage covers the insured’s auto, so if YOU hurt someone else in an accident that was your fault, it protects your assets. This coverage follows the vehicle and protects the vehicle owner even if someone else was driving.
Uninsured Motorist Coverage follows the person as well as the auto, so it protects YOU for injuries YOU may suffer at the hands of an uninsured or underinsured driver. This will cover you even if you are in someone else’s vehicle, it is personal to YOU and protects YOU. It also protects your occupants in the event of a crash by an uninsured driver.
It pains me when a client comes to me and they have relied solely on the good will of others to make sure they carry ample bodily injury coverage to protect them in case of an accident. Too often I see uninsured drivers and underinsured drivers that cause devastating accidents leaving the injured party no recourse other than their own uninsured motorist coverage and when they have failed to purchase that for themselves there is no recourse at all to benefit the client.
Uninsured motorist coverage typically costs about half of the bodily injury coverage so next time you renew or purchase insurance, think of it as not only to protect your “assets” in case you do wrong, but you want it to also protect your “ass” in case someone does harm to YOU or YOUR Loved ones.
If you trust everyone on the road to have good coverage but you, then you do not need it but if you are like me and want to make sure you and your family are protected in any accident then make the investment and protect yourself and purchase UM!