Why You Should Carry Uninsured Motorist Coverage
You likely know that New York legally requires you to carry some level of auto insurance. You also likely know that people do not always abide by the law. If you get into an accident with someone who does not have the auto insurance coverage they need to cover your medical bills and the repairs your vehicle requires, what happens?
Unfortunately, if you get into an accident with an underinsured or uninsured driver, you will not have the expense of accident fully covered. You cannot force other people to carry the auto insurance they need (unfortunately), so how are you supposed to protect yourself out on the open road?
Your insurance provider wants to safeguard you, so there is a product called uninsured and underinsured motorist coverage that you can carry as part of your auto insurance policy.
How much of this coverage should you secure? That will greatly depend on your personal situation. If you have disability through your work, great health insurance coverage, and an inexpensive car, you will not need as much coverage as someone who is lacking healthcare and drives a luxury vehicle. To ensure you have the right level of protection so an accident with a person who is irresponsibly short on coverage does not become a huge personal expense, contact your insurance agent. He or she will be able to understand your situation and advise you on the unique amount of coverage you need to be safeguarded.
Has your insurance agency shown you the coverage you need to be truly protected no matter what lies on the road ahead? For comprehensive auto insurance coverage, contact Scautub Agency today. Our expert Scotia, New York staff is here to get you the coverage you need to be protected.