Protect yourself with high levels of Uninsured and Underinsured Motorist Coverage

We all know that drunk drivers cause drunk driving accidents. We also know that most drunk drivers are also irresponsible when it comes to getting car insurance. Most don’t have it or if they do they have the state minimum coverage of $25,000.00. There are also lots of folks who just cannot afford more insurance than the State minimum. We also know that a serious personal injury can easily run up medical bills of more than $25,000.00 dollars. This does not even take into account the lost wages caused when you are seriously injured or suffer wrongful death.

So how do you protect yourself and your family from this potential financial disaster? One method is to buy high limits of Uninsured/Underinsured Motorists coverage. This coverage will kick in to cover those damages that the driver who caused the collision cannot pay because they either have no insurance, and no job, or little insurance and almost no other way to cover the costs caused by the car crash they caused. Uninsured pays when the cause of the car crash has no insurance. Underinsured pays when the person who caused the auto crash has low limits of liability insurance. UM/UIM coverage is inexpensive compared to the cost of liability insurance and is even more inexpensive when compared to not being able to work and having medical bills that drive you into bankruptcy. Please talk to your insurance agent about how to protect yourself with high limits of Uninsured/Underinsured Motorist Coverage.

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