The Uninsured Driver
You are starting another typical day. You are preparing to go to work, school, or run errands maybe. Driving on your way, as careful as you possibly can but then accidents happen when you least expect it. Being the careful person that you are, you are of course insured. But what if the driver at fault is not insured, what is your next step going to be? Most probably, you will contact your lawyer to settle this problem. This will cause you stress, time, and in worst cases, money. There are some cases where the other driver does have car insurance but his or her coverage is not enough to cover the damages cause by the accident. This will have similar scenario with the uninsured driver.
But if you have the uninsured/underinsured coverage, you will not have a problem because your car insurance company will pay for any damages to your car. No stress and no hassle. This type of coverage is necessary especially during time of crisis where there are drivers who do not have car insurance or do not have enough car insurance. No matter how careful you are on the road, there are those who are not.
You may view this as an additional expense on your car insurance but think about the benefits and the type of protection that this coverage offers. Most California car insurance companies have this type of coverage. Ask them about this and get more details about the uninsured/underinsured coverage. You can research and use the internet does educate yourself about this coverage before deciding if you will avail this additional coverage. Keep in mind that the main reason that you are getting car insurance is for you and your family’s protection as well as protecting your finances and other assets and I think it will not hurt to have an added protection.
