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WHY CARRY UNINSURED MOTORIST COVERAGE?

Aug282017

There are a lot of vehicles on the road. If you have spent any time on the freeway, this is not news to you. Some people are careful drivers, some are, let’s say, less than aware that there are other cars sharing the road. One of the reasons why you have auto insurance is because of careless drivers. Of course, sometimes such carelessness extends to a lack of insurance on their part. Should you be the one involved in the inevitable accident these moronic drivers will be in, will you be covered?

According to the Insurance Research Council (IRC), one driver out of every seven drivers in the United States is currently uninsured. This is especially startling considering that an accident with an uninsured or underinsured driver can result in significant costs that aren’t covered by a basic liability insurance policy.

The State of California mandates liability limits for auto insurance be 10/20/3 for low cost auto insurance policyholders. For regular drivers, it’s 15/30/5. The first number is medical payments per person in an accident, the second is total payments for everyone in a single accident, and the third payment is total property damage payment.

Uninsured and underinsured motorist coverage is designed to help you pay for bills associated with a crash that was caused by another person who either doesn’t have an auto insurance policy or has a policy with liability limits that are too low to cover costs associated with a covered loss.

As with any insurance questions, your best resource is your insurance professional. Take a few minutes to meet with them and explain your concerns. They will make sure you have all the coverage you need at a price you can afford.

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August 28, 2017
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About Us
We specialize in: Auto, Homeowners, Renters Insurance, Mobile Homes, RV’s, Motorcycles, (All your toys), Commercial Vehicles, Special Events Insurance.
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1450 University Ave Suite C Riverside, CA 92507
info@ayalasqualityinsurance.com

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