That’s nearly a quarter of all drivers putting the other 77% at risk. It is vital to make sure that you check to make sure your Fort Myers auto insurance policy contains uninsured motorist insurance.
If you happen to have the misfortune of being in an auto accident with another driver who failed to take out an insurance policy you are then left with only your own insurance to contend with and a possible lawsuit toward the person who hit you, but lets face it – if they couldn’t afford insurance what good is it likely going to do to sue them and get a judgment they will never pay? Uninsured motorist coverage is also good in a hit and run situation where the other driver isn’t accessible.
If you do not have uninsured motorist coverage your health insurance will generally pay your medical bills, but you will have copays in that case and have to reach your deductible. If your deductible is high, it may not help you at all.
Uninsured motorist insurance Automatically pays your medical bills. Just let your doctors know that you have been in a car accident and this is to be an accident claim. They will file all the paperwork. Your only job is to heal.
Make sure to ask about coverage for lost wages. Not all policies include it. If you are injured in an accident and cannot work it is vital not only to be able to cover your medical expenses but also to be able to pay bills such as rent or mortgage, electric, phone, food, insurance premiums, and gas to get around. Work loss is a very good idea to include. Should an accident happen you will be thankful you thought about it beforehand.
For more information or to get a personalized quote please give Centennial Insurance Services of Fort Myers, Cape Coral, Naples, Bonita Springs, Estero, and Marco Island a call today at (239) 247-5125 www.cisinslf.com.