There are many drivers who do not carry liability insurance, and if you get hit by one of them, your automobile liabilty insurance will not pay for damages caused by the other person’s negligence unless you have uninsured motorist coverage. You still have $5,000 of first party medical benefits on your policy, but that may not be enough to fairly compensate you for your injuries.
Uninsured motorist coverage is cheap. It only costs a few dollars with every premium payment. If you are hit and injuried by an uninsured motorist, this coverage can be a lifesaver.
Also, you should seriously consider purchasing underinsured motorist coverage. If you are seriously injuried in an automobile accident, your medical expenses could eat up a large portion or even all of the $25,000.00 minimum limits. Having uninsured motorist coverage may enable you to receive some money compensation to get back on your feet after an accident.
If you have been injured in an automobile accident, truck accident, motorcyle accident, or any other accident involving a motor vehicle, call me at 501-604-4525 or e-mail me at firstname.lastname@example.org to discuss your case at no obligation.