How to Protect Yourself From Uninsured Motorists

Written by on 11/7/2016 7:00 AM . It has 3 Comments.

a car accident in which the victim was protected by an uninsured motorist policy

You have auto insurance coverage. Your spouse has coverage. Your kids know that when they’re adults, they need to have it. As a responsible and concerned person, you’ve practically wrapped your family in bubble wrap with all of the insurance coverage you’ve taken out.

Unfortunately, when you’re rear-ended sitting at a red light, the other driver doesn’t have insurance. There’s no insurance company to pay the claim or anyone other than your insurer to talk to about how to pay for the damage and the medical bills. The driver who hit you is one of 30 million drivers across the country on the road with no insurance coverage.

It’s a scary thought, isn’t it?

The good news is that you can protect yourself from uninsured motorists out on the road.

Uninsured Motorist Insurance Coverage

There are two forms of insurance you can purchase to protect you from drivers with no, or not enough, insurance. The first is uninsured motorist (UM) coverage. If you’re in an accident with an uninsured driver and they are at fault, this coverage will kick in. Your medical bills and lost wages will be covered. This coverage works if you’re a pedestrian hit by a car or the victim in a hit-and-run accident, too.

The other insurance coverage to consider is underinsured motorist (UIM) coverage. Typically this is a driver with some, but not enough, liability insurance to cover the full cost of the accident. Their insurance will pay up to their limit, and the UIM coverage will cover the shortfall up to your limit.

How to Buy and Use Uninsured Motorist Coverage

When you buy UM coverage as part of your auto insurance policy, you should select coverage that matches your current liability limits. In most cases, this will be $100,000 bodily injury per person and $300,000 per accident. UM coverage isn’t as costly as your regular policy. The premium increase shouldn’t be a dramatic change.

If you find yourself the victim of an accident and the driver says they don’t have insurance, you’ll need to get as much information as possible. Try to document the accident with an official police report. Yes, this means you may wait a while for an officer to arrive on the scene, but you’ll be glad you did when you file your claim. Get the other driver’s information - driver’s license, registration information, plate number, and the make and model of their vehicle. Take pictures and get the names and phone numbers of any witnesses to contact later. Call your insurance company to file a claim.

Uninsured Motorist coverage is another protective layer to wrap around yourself and your family in case of an accident. You can’t control whether other people buy auto insurance as they’re legally obligated to do, but you can make sure you’re not the one who has to pay for their choices.

Contact us at Charlotte Insurance today for a free estimate to add uninsured motorist coverage to your auto insurance policy. We’re here to help you protect your family.

Comments

Got something to say? Join the discussion ยป
  1. changhon62's avatar changhon62
    http://www.airmax90shoes.us.com/ air max 90
    http://www.jordans11shoes.us.com/ jordan 13
    http://www.nikeairmax-90.us.com/ air max 95
    http://www.pumafentyrihannashoes.us.com/ puma shoes
    http://www.adidasyeezy-350.us.com/ yeezy boost 750
    http://www.louboutinredbottoms.us.com/ red bottom shoes for women
    http://www.adidas-ultraboost.us.com/ yeezy boost 350
    http://www.birkenstocksandalssale.us.com/ birkenstock
    http://www.katespadepurses.us.com/ kate spade tote
    http://www.kd10-shoes.us.com/ kd
    http://www.pandorajewelryrings.us.com/ pandora charms
    http://www.jordan11spacejams.us.com/ jordan space jams
    http://www.adidasnmdrunnerr1.us.com/ yeezy boost 750
    http://www.kyrie-4.us.com/ kyrie 4
    http://www.nikeairvapormaxflyknit.us.com/ nike air max 95
    http://www.longchampbag.us.com/ longchamp
    http://www.yeezyboost350shoes.us.com/ yeezy 350 v2
    http://www.hermesbirkin-handbags.us.com/ hermes bag
    http://www.fitflopsshoes.us.com/ fitflop shoes
    http://www.curry4-shoes.us.com/ stephen curry shoes kids
    http://www.fitflops-sale.us.com/ fitflop shoes
    http://www.lebron15-shoes.us.com/ lebron shoes
    http://www.pandorajewelryscharms.us.com/ pandora rings
    http://www.salomonspeedcross3.us.com/ salomon shoes
    http://www.pandora-jewelrysale.us.com/ pandora jewelry official site
    Reply 4/27/2018 9:40 PM
  2. yanxia39's avatar yanxia39
    http://www.pandora-jewelrysale.us.com/ pandora charms
    http://www.salomonspeedcross3.us.com/ salomon xa pro 3d
    http://www.jordans11shoes.us.com/ jordan 13
    http://www.adidas-ultraboost.us.com/ ultra boost uncaged
    http://www.longchampbag.us.com/ longchamp bag
    http://www.kd10-shoes.us.com/ kd 10
    http://www.nikeairvapormaxflyknit.us.com/ nike basketball shoes
    http://www.pumafentyrihannashoes.us.com/ puma sneakers womens
    http://www.airmax90shoes.us.com/ air max
    http://www.birkenstocksandalssale.us.com/ birkenstock clearance
    http://www.louboutinredbottoms.us.com/ red bottom shoes for women
    http://www.lebron15-shoes.us.com/ lebron shoes
    http://www.hermesbirkin-handbags.us.com/ hermes birkin
    http://www.nikeairmax-90.us.com/ nike basketball shoes
    http://www.pandorajewelryscharms.us.com/ pandora rings
    http://www.katespadepurses.us.com/ kate spade handbags
    http://www.pandorajewelryrings.us.com/ pandora
    http://www.adidasyeezy-350.us.com/ ultra boost mens
    http://www.fitflops-sale.us.com/ fit flops
    http://www.fitflopsshoes.us.com/ fit flops
    http://www.kyrie-4.us.com/ kevin durant shoes
    http://www.adidasnmdrunnerr1.us.com/ ultra boost uncaged
    http://www.jordan11spacejams.us.com/ jordan 7
    http://www.yeezyboost350shoes.us.com/ adidas yeezy
    http://www.curry4-shoes.us.com/ curry 2
    Reply 5/13/2018 11:39 PM
  3. xuehui51's avatar xuehui51
    http://www.adidasoriginalsnmd.us.com/ adidas originals nmd
    http://www.air-max-90.us.com/ nike shoes
    http://www.pandoraearrings.us.com/ pandora jewelry
    http://www.montblancs.us.com/ mont blanc
    http://www.michaelkors-handbagss.us.com/ michael kors bags
    http://www.new--balance.us.com/ new balance golf shoes
    http://www.true--religion.us.com/ true religion sale
    http://www.eccoshoesoutlets.us.com/ ecco sandals
    http://www.nikelebron15.us.com/ lebron james shoes
    http://www.uggs-forwomen.us.com/ ugg
    http://www.longchampbackpack.us.com/ longchamp backpack
    http://www.swarovskis.us.com/ swarovski rings
    http://www.lacosteshirts.us.com/ lacoste polo shirts
    http://www.airmax95.co.uk/ nike air max 97
    http://www.nike-huaraches.us.com/ huarache shoes
    http://www.northface-jacket.us.com/ north face outlet
    http://www.salomonshoes.co.uk/ salomon boots
    http://www.adidas--shoes.co.uk/ adidas boost
    http://www.ray--bansunglassess.us.com/ ray ban sunglasses
    http://www.kyrie-irving-shoes.us.com/ kyrie irving
    http://www.ugg--slippers.us.com/ ugg boots
    http://www.birkenstocksandalssale.us.com/ birkenstock
    http://www.redbottom--shoes.us.com/ red bottoms
    http://www.pandora--rings.us.com/ Pandora Rings
    http://www.mulberry-handbags.us.com/ mulberry handbags
    http://www.burberry-bags.us.com/ burberry scarf
    http://www.pandoras-jewelrys.us.com/ pandora jewelry
    http://www.nikeairvapormaxflyknit.us.com/ nike air max 90
    http://www.adidas-superstarshoes.us.com/ adidas superstar
    http://www.nikeair-max.co.uk/ nike shoes
    http://www.nikekdshoes.us.com/ nike kd
    http://www.oakley--sunglassess.us.com/ cheap oakley sunglasses
    http://www.monclerjacket.org.uk/ moncler
    http://www.nike-airmax-2018.us.com/ air max 90
    http://www.valentino--shoes.us.com/ valentino sneakers
    http://www.ralphlauren--polo.us.com/ ralph lauren dresses
    http://www.nikeairmax270.org.uk/ nike air max 90
    http://www.mbts.us.com/ mbt
    http://www.lebron15-shoes.us.com/ lebron shoes
    http://www.pandora-charmsjewelry.us.com/ pandora
    http://www.celines.us.com/ celine,celine bag
    http://www.nike--shoes.co.uk/ nike air max 270
    http://www.rayban--glasses.us.com/ ray ban eyeglasses
    http://www.monclerjacketmens.us.com/ moncler coat
    http://www.barbourjackets.co.uk/ barbour jacket
    http://www.asicss.us.com/ asics running shoes
    http://www.jordans11shoes.us.com/ jordan 11 space jam
    http://www.yeezyboost350v2.co.uk/ yeezy shoes
    http://www.polo-ralphlauren-outlet.us.com/ polo ralph lauren
    http://www.monclers.uk/ moncler jacket womens
    http://www.coachbags-outlet.us.com/ coach outlet
    http://www.pandorauk.us.com/ pandora
    http://www.birkenstock--sandals.us.com/ birkenstock
    http://www.bvlgaris.us.com/ bvlgari
    http://www.mcms.us.com/ mcm wallet
    http://www.ferragamoshoess.us.com/ salvatore ferragamo shoes
    http://www.curry4-shoes.us.com/ under armour stephen curry
    http://www.yeezyboost350--v2.us.com/ yeezy boost 350 v2
    http://www.kyrie-4.us.com/ kyire 4
    http://www.ultra--boost.us.com/ adidas ultra boost
    http://www.huaraches.us.com/ nike huarache
    http://www.pandorajewelryscharms.us.com/ pandora jewelry
    http://www.goyardbackpack.us.com/ goyard wallet
    http://www.salomonspeedcross3.us.com/ salomon xa pro 3d
    http://www.air-max-97.us.com/ air max 97 mens
    http://www.adidasnmds.co.uk/ adidas nmd womens
    http://www.stephen-curry-shoes.us.com/ stephen curry
    http://www.longchampbag.us.com/ longchamp bag
    http://www.under-armour-shoes.us.com/ stephen curry shoes
    http://www.monclerjacketwomens.us.com/ moncler jacket mens
    http://www.oakley--glasses.us.com/ oakley eyeglasses
    http://www.adidas-yeezyboost350.us.com/ yeezy shoes
    http://www.nikeairmax97.co.uk/ nike air max
    http://www.hermesbirkin-handbags.us.com/ Hermes Belts
    http://www.adidas-yeezy-shoes.us.com/ Yeezy Boost 350
    http://www.moncler--jacket.us.com/ moncler jacket mens
    http://www.uggs--boots.us.com/ ugg
    http://www.kd10-shoes.us.com/ kevin durant shoes
    http://www.truereligion--jeans.us.com/ true religion jeans
    http://www.swarovskisjewelry.us.com/ swarovski rings
    http://www.balenciagas-sneakers.us.com/ balenciaga sneakers
    http://www.adidasyeezys.org.uk/ yeezy boost 350
    http://www.mcm--bags.us.com/ mcm
    http://www.balenciaga--shoes.us.com/ balenciaga bag
    http://www.airjordan11spacejam.us.com/ air jordan
    http://www.salvatore-ferragamo.us.com/ salvatore ferragamo
    http://www.pandora-jewelrysale.us.com/ pandora charms
    http://www.pandorajewelryrings.us.com/ pandora rings
    http://www.fitflops-sale.us.com/ fitflops clearance
    http://www.ray--ban.us.com/ ray ban aviator sunglasses
    http://www.adidasoriginalsultraboost.us.com/ ultra boost
    http://www.nike--vapormax.us.com/ nike vapormax
    http://www.jordan11spacejams.us.com/ jordan 11
    http://www.mulberrys.org.uk/ mulberry bayswater
    http://www.coach--bags.us.com/ coach
    http://www.burberry--scarf.us.com/ burberry
    http://www.skechers--shoes.us.com/ skechers outlet
    http://www.pandoras-uk.co.uk/ pandora uk
    http://www.rayban-glasses.us.com/ ray ban sunglasses
    http://www.ed-hardys.us.com/ ed hardy shirt
    http://www.supreme--clothing.us.com/ supreme shirt
    http://www.salomon-boots.us.com/ salomon
    http://www.skechersuk.co.uk/ skechers outlet
    http://www.james-hardenshoes.us.com/ james harden shoes
    http://www.redbottoms-louboutin.us.com/ louboutin shoes
    http://www.jordan11.co.uk/ jordan shoes
    http://www.nike-airmax270.us.com/ nike air max 270
    http://www.nikeairmax-95.us.com/ air max 95 black
    http://www.adidasnmdrunnerr1.us.com/ didas ultra boost
    http://www.pandora--jewelrys.us.com/ pandora rings
    http://www.northfacejacketoutlets.us.com/ north face jacket
    http://www.adidasyeezy-350.us.com/ yeezy boost 350
    http://www.airmax90shoes.us.com/ nike air max 2018
    http://www.fitflop--sandals.us.com/ fitflop sandals
    http://www.burberrys.org.uk/ burberry scarf
    http://www.barbours.org.uk/ barbour outlet
    http://www.uggsformen.us.com/ uggs for women
    http://www.adidas-ultraboost.us.com/ adidas ultra uncaged
    http://www.ralphlaurenspoloshirts.us.com/ ralph lauren polo shirts
    http://www.michael-kors-bags.us.com/ michael kors bags
    http://www.skecherss.us.com/ skechers uk
    http://www.nikeairmax-97.us.com/ nike air max 97
    http://www.cartier-bracelet.us.com/ cartier bracelet
    http://www.yeezyboost350shoes.us.com/ yeezy boost 350
    http://www.polo-ralph-lauren.org.uk/ ralph lauren shirts
    http://www.salomon--shoes.us.com/ Salomon Boots
    http://www.chromeheartsjewelrys.us.com/ chrome hearts jewelry
    http://www.moncler-coat.us.com/ moncler coat
    http://www.katespadebags.us.com/ kate spade outlet
    http://www.chromehearts-jewelry.us.com/ chrome hearts jewelry
    http://www.louboutinredbottoms.us.com/ louboutin
    http://www.air-max-270.us.com/ nike air max 270 men
    http://www.kevin-durant-shoes.us.com/ kd 10
    http://www.prada--handbags.us.com/ prada wallet
    http://www.asics--shoes.us.com/ asics mens running shoes
    http://www.adidasnmd-womens.us.com/ adidas originals nmd
    http://www.prada--bags.us.com/ prada handbags
    http://www.katespade--outlet.us.com/ kate spade outlet
    http://www.air-max-95.us.com/ air max 95
    http://www.chrome--hearts.us.com/ chrome hearts
    http://www.pandorasjewelry.co.uk/ pandora rings
    http://www.christianlouboutinredbottoms.us.com/ red bottoms
    http://www.jordan--11.us.com/ jordan shoes
    http://www.jordanretro11-shoes.us.com/ jordan
    http://www.nikeairmax-90.us.com/ nike air vapormax
    http://www.pandora-jewelrybracelet.us.com/ pandora jewelry
    http://www.jimmychooheels.us.com/ jimmy choo trainers
    http://www.pumarihannafenty.us.com/ rihanna fenty puma
    http://www.hermes--belt.us.com/ hermes belt women
    http://www.goyardbag.us.com/ goyard tote
    http://www.katespadepurses.us.com/ kate spade handbags
    http://www.nikeair-max90.co.uk/ nike air max 2018
    http://www.vapormaxs.us.com/ nike air vapormax flyknit
    http://www.supremeshirt.us.com/ supreme shoes
    http://www.fitflopsshoes.us.com/ fitflop sandals
    http://www.fitflop--shoes.us.com/ fitflops clearance
    http://www.airmax270.co.uk/ air max 270
    http://www.airmax-2018.us.com/ nike air max 2018
    Reply 8/25/2018 5:04 AM

Leave a Reply

 [Quick Submit with Ctrl+Enter]

Remember my details
Notify me of followup comments via e-mail