You just pulled your dream car off the dealer’s lot and into the real world. Even though you drive carefully, someone makes a wrong turn and plows into the side of your car. It’s a bummer, but at least the driver has tri state auto insurance, doesn’t he?
Maybe he does. Maybe he doesn’t. If not, how do you protect yourself? If the other driver is at fault and uninsured, who will pay your medical bills and the repairs on your car?
Make Sure You Have Uninsured Motorists Insurance
If you have uninsured motorist coverage, you drive knowing you, your passengers and your car are protected from at-fault uninsured drivers. This policy pays for damage and medical expenses that the other driver cannot. It also protects you if the other driver has insurance, but his liability limits are below the cost to cover your expenses.
If you do not have uninsured motorists insurance, you will need to pay any medical or repair bills from your coverage or out of pocket. Then you may spend many months working through the courts to get your money back from the at-fault driver. Even then, there’s no guarantee that they will be able to pay any judgment.
A good tri state auto insurance agent can answer any lingering questions you might have about uninsured motorists coverage. Make sure you get all your questions answered before you select a policy.