Motorists are everywhere these days and it is easy for anyone to become distracted while driving and of course an accident will probably occur sometime. Whether you are on your motorcycle commuting to work or going for a joy ride, anything can happen so it is best practice to be ready and have the right coverage so you can recover as fast as possible in case of the unthinkable from happening.
There are millions of drivers on the roads and while it is illegal to drive without insurance many still do decide to drive without it. That is why it is important that you choose the right coverage in case one of them ends up hitting you. In this post we are going to talk about 5 reasons you should have uninsured motorist coverage on your insurance policy.
1. About 20% of drivers are uninsured in California.
This means that 2 out of every ten drivers in California is not insured and the possibility of receiving anything from them, in the case of an accident, can all fall on you, from medical bills to totaling your vehicle or motorcycle.
2. Insufficient Insurance.
Minimum insurance liability limits can be controlled by the state but even those numbers won’t guarantee you’ll be fixed in a serious injury. In California the minimum limits for insurance is $15,000 per person, $40,000 for all persons involved, and $10,000 for property damage. That may be okay for a small collision but it is definitely not enough for a serious collision nor will it cover all the expenses of all the injuries and medical bills. Your car is probably worth more than $10,000 too.
3. You are not covered under Liability Insurance.
Your insurance policy will not protect you in a not-at-fault collision or accident where you have been injured.
4. It makes sense to be over protected than have regrets of being under protected in any case of an accident.
Uninsured/ Underinsured coverage is pretty affordable and can help you with accidents that are considered not-at-fault. You can even get coverage limits just as high as you are in the case of an accident that your at-fault.
Another good thing is that it will cover your family members or passengers that are riding with you and can also include loss of income for all your passengers or family members in the case of an accident.
5. With Uninsured Motorists Coverage you are safe even outside your car.
Imagine that you are in an accident in your friend’s car and an uninsured motorist is involved, you will be covered in that accident. Or even if you are walking or riding down the street and are hit by someone who does not have insurance, you are still covered by your UM/UIM insurance policy.
Be smart and protect yourself with some higher coverage. You won’t have much to lose in the long run and you can’t afford NOT to include it in your policy. You will be happier and more confident knowing that you will be covered in the case of a serious accident.
If you are ever in a serious accident seek medical help first and then call The Reinecke Law Firm for a free case evaluation at (800)275-8326. You may be entitled to compensation for your injuries or property damages. The Reinecke Law Firm has helped thousands of motorcyclists in the state of California recover from motorcycle accidents. Do not hesitate to call immediately.