A lot of things can happen in a car accident. You could get injured. Some of the property that you may be carrying could be destroyed. And of course, there will repair and medical costs that have to be dealt with once the dust settles.
However, there is another potential problem that many people often neglect to keep in mind and that problem is being the victim of a driver with insufficient liability insurance (and money). There are many car owners out there who for one reason or another, will only get enough liability insurance to allow them to drive. But regardless of what their reasons for not getting sufficient insurance may be, the fact that they do not have enough money to cover your medical and repair costs is a problem that all car owners must think about, especially if the need for them is urgent.
Car insurance companies recognize this problem, and so you have the option of getting uninsured and underinsured insurance coverage.
This is a type of automobile policy option covers both property damage and bodily damage that is brought about in an accident wherein the perpetrator does not have liability insurance to cover the cost of both damages.
This type of automobile policy option also covers both property damage as well as medical bills for bodily injury as well as property damage caused by someone who lacks sufficient liability insurance. Unlike Uninsured insurance, however, this policy compensates you for the difference between the injury suffered and the liability covered by the insurance coverage of the driver at fault.
Now, the trouble with these types of automobile insurance is that they are largely considered unnecessary by most car owners and motorists. And the reason why they are considered unnecessary is that liability insurance is mandatory in all states. So the reasoning is that it’s impossible, or at the very least unlikely, to encounter drivers who drive around without any liability insurance.
Well, that’s not quite true. For you see, in areas where traffic accidents typically happen, most of the people who are causing the accidents are also the ones who are less likely to have any reasonable level of liability insurance. And it is for this simple reason why you will need to think about taking up this policy option. If you travel near hazardous areas, or if you just want to be extra careful, this is the type of policy you should seriously consider taking. After all, the whole point of car insurance is being careful.
Additionally, you should not drive when you are sleepy, angry, sick or with some other distraction. If an uninsured motorist hits you: auto insurance companies, and insurance agents or brokers recommend that you take the name of the driver, his license number, car license number, and records of present witnesses.
What to do if you are in an accident:
Step 1: Request for medical assistance for the injured.
Step 2: Call the police and stay until they arrive.
Step 3: Obtain the drivers, and car details, auto insurance company information, with witnesses information.
Step 4: Take records of weather, roads, and driving conditions. Takes pictures if there is a camera.
Step 5: Immediately send a notification to your auto insurance company. Obtain a report from the police and keep copies for yourself.
Contact us at S.T. Good Insurance of Florida for consultation and a quote (772) 287-3625