A Simple Solution to a Potentially Complex and Very Expensive Problem!
The absolute most important addition to your Auto Insurance policy is: Uninsured/Underinsured Motorist Coverage! It is also referred to as UM/UIM and it IS NOT automatically included in your basic Auto Policy . . . because Auto Insurance companies save a ton of money by not including it . . . UNLESS YOU ASK FOR IT!
The great news is that it doesn't cost very much more to ad to your policy, BUT IT WILL SAVE YOU A LOT OF MONEY IF the person who causes your accident has little or no coverage at all! Unfortunately, although it is a legal requirement for licensed drivers in the United States to have at least a minimum of $15,000 of current Auto Liability Insurance coverage, there are instances where at fault drivers have let their policy lapse, or simply refuse to carry current insurance. If you do not have UM/UIM coverage, the accident they caused will be paid for entirely by . . . YOU and your insurance. And if the damages exceed your policy limits, the costs will come directly out of your pocket.
If you are not absolutely sure if you already have this coverage, check your policy declarations page immediately, (do not just ask your insurance agent!) and see for yourself if you have the UM/UIM coverage rider on your policy! Your financial health AND peace of mind depend upon it!!!!!
If you have any further questions about your current auto policy, or are in need of medical-legal guidance following a car accident, call the San Diego Auto Injury Specialists at: 858-752-3996
Visit our website by clicking here: SanDiegoAutoInjurySpecialists.com
