In 49 out of 50 states, all registered drivers are required to carry minimum amounts of car insurance. If you are in one of them, then you could face penalties if you get caught driving uninsured. Just because you obey the law, doesn’t mean others will. And, if you get into an accident with an uninsured driver, then they might not be able to provide the compensation to which you might be entitled. However, if your own auto insurance includes the appropriate coverage—uninsured motorist benefits—then you will have a solution at hand. Here’ why it’s important to look into this critical piece of coverage as essential to your security behind the wheel.     What is uninsured motorist coverage? Many states have an at-fault insurance system, which means that drivers who are at fault for wrecks must pay for their own damage and the damage they cause to others. To pay for third-party damage, you will have to use auto liability insurance. As a result, this coverage is mandatory in most states. However, in the event that another driver is at-fault for a wreck, but doesn’t have liability insurance, then you won’t have a way to claim your own damage against their policy. However, by carrying the added benefit of uninsured motorist coverage on your own plan, you will have a place to turn for your own benefits. This benefit will allow you to make a claim on your own damage and injuries on your own plan, but you won’t have the disadvantage of being labeled an at-fault driver. Why do I need this benefit? You can only buy your own auto insurance; you can’t buy it for the driver in the car next to you. As a result, you never know what auto insurance they are carrying, or if they even have it. As a result, it’s best to take responsibility for yourself by enhancing your policy with uninsured/underinsured motorist coverage. If you get hit by an uninsured motorist, of if you become the victim of a hit-and-run accident, then you will have no way to claim your own damage against the driver’s liability insurance. So, if someone hits your car, causes $15,000 worth of damage, and flees the scene, your uninsured motorist coverage will kick in and cover the damages, instead of you having to pay out of pocket. By turning to your uninsured motorist coverage, you’ll be able to file for coverage for both the damage caused by the collision and the injuries you might have sustained. Therefore, your personal financial loss for these accidents will likely be lower than it would be if you lacked coverage. A further benefit to carry alongside uninsured motorist coverage is underinsured motorist coverage. This coverage can come into play if the at-fault driver has liability insurance, but doesn’t have enough to cover 100% of your damage costs. Therefore, after your claim exceeds that person’s liability limits, you can file against your own underinsured motorist coverage for the additional benefits. Call

Protecting Yourself from Uninsured Motorists

In 49 out of 50 states, all registered drivers are required to carry minimum amounts of car insurance. If you are in one of them, then you could face penalties if you get caught driving uninsured. Just because you obey the law, doesn’t mean others will. And, if you get into an accident with an … Read more

January 7, 2021

LARGEST LOCALLY OWNED EL PASO INSURANCE AGENCY MAKES NINTH ACQUISITION

                                                        LARGEST LOCALLY OWNED EL PASO INSURANCE AGENCY MAKES NINTH ACQUISITION Mt. Franklin Insurance Acquires Property and Casualty Business of Balmer Insurance   EL PASO, Texas, January 5, 2021 – Bill … Read more

January 7, 2021

Staying Healthy During Winter Vacation

Let’s face it, 2020 was not a year when most of us were able to travel extensively. 2021 will likely be much of the same, at least for the time being. However, there are still plenty of ways to travel safely as long as you commit to being conscientious.     Still, if you plan … Read more

January 5, 2021

Tips for Buying General Liability Insurance

When insuring your business, you will likely need general liability coverage. However, getting this coverage will require attention to detail and an understanding of what this coverage offers you. What are some of the things that you should consider when buying general liability insurance? How do you know which plan is right for you? Here … Read more

December 30, 2020

Easy Ways to Reduce Your Auto Insurance Premium

Whether you live in a big city or a small town, every stretch of roadway could be dangerous. The driving risks around you are the reasons you need car insurance. However, these risks can also influence how much you pay for your plan. Sometimes, they might make your plan might more expensive. Still, auto insurance … Read more

December 24, 2020

Factors That Might Increase Your Home Insurance Cost

 No one wants to see any of their insurance rates go up, especially their home insurance. After all, you need this coverage to protect your property. So, you should be able to afford it. Home insurance premium increases can happen for countless reasons. Sometimes, they occur through no fault of your own. In others, however, … Read more

December 22, 2020

What Is Guaranteed Acceptance Life Insurance?

You might be thinking about getting life insurance on yourself. After all, it is a benefit that will offer your loved one’s financial assistance if you pass away. However, you might worry that a pre-existing illness or other extenuating circumstance might disqualify you from getting coverage. Still, there might be many life insurance policies available … Read more

December 17, 2020

Frequently Asked Questions About General Liability Insurance

If you are a business owner, then you probably know that you have to protect your company, employees, clients and others against any risks you might pose them. These liabilities could cost you a lot of money in worst-case scenarios. You therefore must be ready for any eventuality. To do so, you will need general … Read more

December 15, 2020

Will My Health Insurance Work in Another State?

Health care isn’t just something you get from your local physician. You should be able to get care from an appropriate physician when you need it. Sometimes, this might mean leaving town, and even crossing state lines. The question that many people ask, however, is whether their plan will cover them when they travel outside … Read more

December 10, 2020

Auto Insurance for Cars Damaged in Your Garage

Car damage doesn’t just happen because of a wreck. Damage could occur anywhere, even in places that you consider safe. Your garage is one of them. You might think the garage is the safest place for your car, which indeed it is. However, even cars parked in garages aren’t immune from risks.     If … Read more

December 8, 2020

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