Every state requires drivers to carry some kind of auto insurance, with the minimum required amount determined by each individual state. However, there are many drivers out there who carry no insurance at all. Many states recognize this and require drivers to buy Uninsured Motorist Coverage as well.
Drivers without insurance policies are 10 times more apt to get in their automobiles to drive after indulging in alcoholic beverages. They are also 3 times more apt to be found guilty of driving negligently. Around 15% of all drivers do not have any insurance. Therefore, it is hardly amazing that 10% of motorists have found themselves in accidents with such uninsured drivers. What are the steps to take if you have this experience and how can you achieve some level of protection?
When the accident happens, you will not know if that other driver has insurance or not, so you must react normally. Take notes on the other car's model, make, registration number, and license. Also, note the driver's name and address- even though he might not give you all the right details.
Also note the damage to the other car and the accident scene. Remember to record road signs and markings, light and weather conditions and whether the other car had its lights on. The more detail you can record, the better. If you are fortunate enough to have an independent witness get their full contact details. And if you also happen to have a camera with you, take lots of pictures (try to get one with the other driver clearly in the picture). The police might have use for that one!
Comprehensive auto insurance will provide the protection of your insurer to pay for your car repair, minus the deductible. However, if your claim is as a result of damage caused by a uninsured or underinsured motorist, you might be able to have that repair deductible waived by your insurance company. Regardless of the scenario, however, you might lose your no claims discount.
Even drivers who have auto insurance sometimes only carry the minimum limits, which may not be enough to cover all of the damages in an accident for which they are responsible. If the at-fault driver cannot pay the out of pocket expenses for the damages that insurance doesn't cover, you will be left with the bill yourself unless you have Underinsured Motorist insurance.
The most advantageous approach is to drive defensively, always wear a seatbelt, and to purchase uninsured and underinsured motorist coverage with your vehicle insurance policy.
Because of the many uninsured and underinsured drivers on the road, many states require drivers to buy Auto Insurance for protection from Uninsured and Underinsured Motorist Coverage. |
No comments:
Post a Comment