Why You Need Uninsured Motorist Coverage

Think you’re covered in an accident with an uninsured driver? You may be making a mistake. Uninsured motorists are everywhere, and a collision with any one of them can leave you saddled with huge medical bills. Protect yourself with a UM policy.

Why You Need Uninsured Motorist Coverage

A car accident can happen in the space of a few seconds, but it can change everything if you aren’t prepared to handle the aftermath, particularly from a financial standpoint. The impact on your life can actually be far more damaging than the impact to your vehicle, especially if you’re struck by someone that is driving without car insurance. These individuals, called uninsured motorists, can unwittingly leave you with a huge medical bill and no way to pay it.

Their lack of responsibility can be devastating for your life, your health, and your bank account, but thankfully, there’s something you can do right now to protect yourself. Uninsured motorist insurance is a unique addition to your policy that helps you prepare for a worst-case insurance scenario.

I Have Collision Insurance – Won’t That Be Enough?

Most collision insurance policies do have some medical injury coverage built in. However the coverage focus tends to be on those that you potentially hurt, rather than yourself. That means that if you’re at fault in an accident, your insurance will pay the medical bills for the other party through your policy’s bodily injury coverage. If you are the one injured, on the other hand, chances are you’ll need to pay out of pocket to supplement the care you receive. The standard payout limits for care are usually low in comparison to actual costs, and force the policy holder to make up the often-substantial difference.

Won’t My Comprehensive Car Insurance Handle It?

Despite the name, comprehensive car insurance offers a financial safety cushion for your vehicle, not your body. It’s important insurance to have in the event of a natural disaster, such as a fire or flood, but it usually won’t help at all in a collision. Trusting that comprehensive insurance will protect you from uninsured motorist collisions is a common but costly mistake; one that has left many drivers struggling with unexpected hospital and recovery bills.

What is Uninsured Motorist Coverage?

“UM” insurance is a special addition or supplement to your insurance policy that offers financial support and help if your vehicle is struck by someone without coverage of their own. This may occur because of a failure to get coverage at all, a lapse in the other driver’s policy, a stolen car driven recklessly, or other extenuating circumstances. UM coverage insurance gives you much-needed support during an already-difficult time, rather than leaving you to pay an expensive emergency room bill for an accident you didn’t even cause. After an accident, it’s important to take time to recover and receive the medical treatment and physical therapy you need. If you’re struggling with bills and working extra hours to cover them, the task of healing becomes an even greater challenge.

Car insurance is a moderate “maintenance” cost that, beyond the actual funds provided after an accident, is designed to offer peace of mind. Even an excellent traditional policy, complete with bodily injury insurance, has room for improvement. Uninsured motorist coverage is the key to making sure that you’re truly covered, no matter what you may run into – literally – on Tampa Bay roads.

When you’ve been in a car accident, you need help regardless of the other party’s insurance status, especially if you’re also facing issues like language barriers. Accident Agents is a case management company that offers guidance, suggestion, and support for accident injury victims in the Tampa Bay area. While the individuals behind this free service are not doctors, lawyers, or insurance agents, they are still a vital part of ensuring your recovery goes as smoothly as possible. If you’ve been injured in an accident, you’re not alone! Contact Accident Agents of Tampa and they’ll help you get over your “bumps in the road” more quickly.