One out of every seven drivers on the road is uninsured
According to a recent Insurance Research Institute Council (IRIC) study, one in seven drivers is uninsured. This means that if you are seriously injured in a collision you may not be able to receive a single penny from the at fault driver because he has no insurance or assets. According to that same IRIC study, 7% of Pennsylvania drivers and 11% of New Jersey drivers are uninsured.
You need UM and UIM coverage to protect you and your family when you can’t work and have future medical bills.
The life of those injured in a collision is often significantly changed because they may require future medical care that could cost thousands of dollars. The family of the injured is also impacted especially if the injured person, who had provided necessary income prior to the collision, can’t work.
How do you make sure that you are adequately compensated for your medical needs, lost wages and pain and suffering? How do you make sure your loved ones will be protected? The answer is simple, make sure that you call your insurance agent today and confirm that you have Uninsured and Underinsured Motorist insurance coverage.
How much UM and UIM coverage should I obtain?
You should get as much coverage as you can afford. If you are critically injured in a collision how much money would you like to know is available to help you and your family when you are unable to work and have future medical needs? Would $100,000, $250,000, $500,000 or more be needed so you know your family is being adequately protected? Take the time now to get adequate Uninsured or Underinsured coverage to protect you and your family.
If you have been a victim of an injury as a result of an Uninsured or Underinsured driver, make sure to contact an experienced Injury Attorney like the lawyers at Richard Washington Injury Attorneys to make sure your rights are protected
Insurance companies don’t want you to buy this coverage because it means they will have to pay out more benefits if their insureds have such coverage and are in a collision. The law differs from State to State regarding how this coverage operates, but it is important to know you need this coverage before a collision. You can increase your coverage after a collision but those changes will not apply to the injuries you had before you changed your policy.