Why Underinsured and Uninsured Auto Insurance Is Important

Michael R. Casper
January 23, 2013

If you are like most Americans, you pay your car insurance each month to make sure that you and your family is protected if there is ever an auto accident. But, believe it or not, there are a growing number of motorists that are not insured at all, or inadequately insured that take to the road every day. Many studies show that these types of drivers tend to have unsafe and unreliable cars and tend to get in more accidents than the average driver. If you are in an accident with one of these motorists, you are at risk health wise as well as financially. What can you do to help protect yourself and your family?

What is uninsured/underinsured motorist coverage?

Uninsured/underinsured motorist coverage is designed to compensate you for a loss you might sustain which is caused by a driver who is uninsured or underinsured when they get on the road. These policies have become increasingly more important due to auto insurance claims continuing to rise and more and more motorists being underinsured or not insured at all.

Who is covered by uninsured/underinsured motorist coverage?

This type of coverage is for you and anyone driving in your automobile with your permission or any person in your automobile when an accident occurs.

Why should you worry about this coverage if you have regular liability auto insurance?

Simply put, uninsured or underinsured motorists are a liability. If you are in an accident with an uninsured or underinsured motorist, having this policy can make up the difference in what the negligent motorist’s insurance will pay and what your needs dictate you must have. For example: If you were in an accident and had $100,000 worth of medical bills, lost wages, damages, you might expect the person who was at fault to pay for the damages, right? Well, if you are in an accident with an underinsured motorist and they only have $25,000 worth of insurance coverage, then you are responsible for the difference, which in this example is $75,000! Having this coverage can make a huge difference in your family’s financial state, as well as feeling of protection and well-being when you take to the road.

This guest blog was written by Michael R. Casper, P.C. Attorney at Law, a personal injury lawyer in Gainesville, GA. He has been serving Georgia for more than 30 years. Michael R. Casper is also a dedicated social security disability lawyer in Gainesville, GA. As a Georgia injury lawyer, he is committed to helping families and victims of families who have been injured.