Uninsured Motorist Coverage

When it comes to purchasing and using auto insurance, there are a lot of myths that drivers often fall victim to. This is especially true when it comes to uninsured driver coverage. It is important for every driver on the road to understand their rights and their policies, so that if they are ever in an accident their self interests can be protected in the most effective way possible. Below, we have dispelled the most common auto insurance myths. Remember, if you do not know your rights then you do not have any. 

The Myth: Opting-out of uninsured motorist coverage will save me money. 

The Truth: You may save a few dollars a month on your premium, but if you are hit by an uninsured motorist, there will be no insurance companies ready to pay out your claim. The comparative cost of covering the damages of an accident out of pocket greatly outweigh the savings you would enjoy on your premium. 

The Myth: You cannot make an uninsured motorist claim if the driver hit-and-run

The Truth: If you are the victim of a hit and run, and you gather no information about the other driver, then you have no idea whether or not that driver has insurance. Therefore, you can make an uninsured motorist claim with your own insurance company in order to cover your damages. 

The Myth: Making an uninsured motorist claim will cause your own insurance rate to increase.

The Truth: Your insurance claim will only rise if you are considered liable for an accident. If you are driving and you are hit by somebody that does not have insurance, you call your insurance company and make a claim.  Your insurance company will pay for your property and bodily injuries up to the limits of your liability coverage. As long as you are not liable, your rates will remain the same.

Considering that more than 15% of CA drivers do not have insurance, you really can’t afford to opt-out of uninsured motorist coverage. Trust us, protect yourself by keeping it a part of your insurance plan.

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