If you own a car, having the right auto insurance policy is the best way to ensure that you and your vehicle are protected from any unfortunate situation on the road. With all of the coverage options that are available with an auto insurance policy, it can be confusing to invest in the right protection. Investing in uninsured or underinsured motorist coverage is the best way to protect yourself while you are behind the wheel.
An uninsured motorist policy will provide coverage in case you are involved in an accident with another driver that does not have any auto insurance coverage. An underinsured motorist policy will provide coverage if you are involved in an accident with another motorist that does not have enough auto insurance coverage to cover the cost of your medical bills or injuries. Typically, the two coverage options are bundled into one simple policy that will cover any costs that are associated with a car accident that was the fault of another driver.
The limits for uninsured and underinsured motorist coverage can range anywhere from $20,000 to $1 million. When deciding how much coverage you should invest in, make sure to consider the value of your vehicle, your medical insurance, and if your employer offers short and long term disability options. Talking with your insurance agent is the best way to ensure that you invest in the right amount of uninsured or underinsured motorist coverage.
Contact Steve Wilk Insurance Agency in Lombard, Illinois for all of your auto insurance needs. We will work with you to make sure that you have the right amount of coverage at the right price for your budget!