While auto insurance is mandatory in almost every state, some people still drive without the appropriate levels of coverage. This means if you are involved in a car accident with someone who doesn’t have sufficient coverage, it will be up to you to cover all of your damages. Uninsured/underinsured motorist coverage protects you against loss if you are ever involved in an accident with someone who has insufficient coverage or has no coverage at all.
Do You Really Need an Underinsured/Uninsured Motorists Insurance?
Although you might fulfill your obligation and abide by your state laws by purchasing an auto insurance policy, that doesn’t mean others will do the same. Thus, to make sure that you don’t face devastating losses during an accident, it’s best to have uninsured/underinsured motorist insurance.
Filing a Claim with Your Insurer
Being involved in a car accident with another driver who doesn’t have auto insurance can be frustrating. Your first call should be to your insurance company so that you can file a claim against your uninsured/underinsured motorist’s insurance and recover your losses. Once you place the call to your insurer, they will get the claim process started. Note that you will have to pay the deductible before the policy kicks in.
Always Protect Yourself!
When it comes to purchasing the right auto insurance policy, working with experts will ensure you have the right types of insurance policies in place. Even though you share the road with others, it is up to you to protect yourself as not everyone will follow through and purchase the amount of insurance required by the state.
Having the right amount of auto insurance isn’t an option. It is a necessity. Our agents at Steve Wilk Insurance Agency can help you make the right choice when it comes to your auto insurance. Take the time to schedule an appointment to learn more about uninsured/underinsured motorist insurance. You can also visit our new office at 310 S Main Street, Suite C, Lombard, IL 60148.