Every state requires its drivers to carry a minimum amount of liability insurance. Despite this, according to the Insurance Information Institute, one in eight drivers navigates the roadways uninsured. Those who fall into this category are putting every other motorist around them at great financial risk. Thus, it’s essential to include uninsured/underinsured motorist coverage in your request for car insurance quotes whenever shopping for a policy. This particular kind of coverage is designed to provide protection against irresponsible drivers, as getting into an accident with one can be a costly experience. Here is an overview of what uninsured/underinsured motorist coverage is and how it’s beneficial.               

What to Know About Uninsured/Underinsured Motorist Coverage 

Types of Uninsured/Underinsured Coverage 

Similar to liability insurance, uninsured/underinsured motorist policies are broken down into two types of coverage. Uninsured/underinsured motorist bodily injury coverage will pay for medical bills, lost wages, and any other injury-related expenses for you and your passengers if you are hit by a driver who is insufficiently covered. Uninsured/underinsured property damage coverage will pay for any repairs your vehicle needs after colliding with someone who doesn’t have enough insurance. 

How It Works 

Under normal circumstances, if you were to get into an accident, you would file a claim with the at-fault driver’s insurance provider. They would then provide the funds necessary to get your vehicle repaired, and you would recoup compensation for bodily injuries. However, if a driver hits you and isn’t insured or your damages extend beyond their policy limits, you would be responsible for paying everything out-of-pocket. As you can see, when getting car insurance quotes, the cost of uninsured/underinsured motorist insurance is nominal compared to the substantial savings it can provide.

You can count on the professionals at BestRate Auto Insurance to do all the legwork when it comes to comparing car insurance quotes and finding you the best deal available. They proudly offer residents throughout Statesboro and Vidalia, GA, an array of high quality products to keep them safe from financial harm. Call the Statesboro office at (912) 489-5942 or the Vidalia location at (912) 403-3250 to inquire about a quote, or visit them online for more information.