Imagine you are hit by someone carrying the Nevada state minimum limits of $15,000 per person/$30,000 per accident. You are injured and miss an extended period -of -time from work. You have sustained lower back injuries that require doctor appointments, physical therapy for several months, lost income while at the appointments, in addition to chronic future back pain. If your medical bills exceed the liability limits from the driver that injured you, you would have to pay out of pocket and hope you can sue them civilly. Or, you can file a claim against your own underinsured motorist coverage.
Most states have laws against vehicles being insured. However, many drivers ignore those laws and still drive on our roads uninsured. Many drivers purchase state minimum limits to keep cost down, not carrying enough coverage if they cause a major accident and injure someone. To protect yourself and your family from those drivers you purchase uninsured motorist coverage on your personal auto insurance policy to protect you and your family members.
Uninsured drivers on our roads in a problem. In a 2014 Study by the Insurance Research Council (IRC), 12.6% of motorists nationwide, or about one in eight drivers, was completely uninsured.
Uninsured motorist coverage is designed to protect you against an uninsured or underinsured driver. This important coverage could pay for injuries such as medical expenses that result from an accident caused by a driver who has too little or no insurance to cover the injuries.
Underinsured motorist coverage helps pay when the limits of liability carried by the other motorist are lower than the injury expenses.
At Safeguard Insurance, we strive to give our clients the best protection for the best possible price. You buy liability coverage to protect yourself from injuries you might cause others. We believe uninsured motorist coverage is just as important, you are buying coverage to protect you and your family. For a no-obligation auto insurance quote or policy review, contact our professional agents today.