As agents we typically here questions about Uninsured Motorist insurance coverages. Some people think these premiums are pooled together to help poor people purchase insurance. This is not the case.
Although the state requires motorists to have a certain minimum level of auto insurance liability coverage, many drivers have no insurance. And of the ones that do have car insurance, many only carry the absolute state-required minimums for accident and property damage.
Will those minimums replace your car damage or your time spent in the hospital?
That is why Uninsured Motorist coverage is necessary, to protect you from those who either cannot afford the adequate insurance coverage or who are irresponsible to obtain car insurance. We recommend you carry Uninsured Motorist coverage limits that match your liability coverage limits.
Apr 11, 2012