Frequently, when people buy car insurance the only thing they are shopping for is the lowest possible rate. However, it is important to know what you are buying because if you are ever in a car accident you may need to make an insurance claim for your injuries, medical bills, and lost wages.
Uninsured motorist coverage provides additional protection from these unforeseen expenses resulting from an automobile injury collision. The coverage provides a direct way for you to make a claim with your own insurance company if the driver that caused your injuries doesn’t have insurance.
One leading insurance research firm calculated the percentage of uninsured drivers in Arizona is 12%. Think about that. If you are in a car accident there is greater than 10% chance that the other driver will not have any insurance to compensate you for your losses. It is a smart decision to insure yourself and uninsured motorist coverage is the best way to do this. You cannot trust that the other driver will have sufficient coverage to compensate you for your injuries.
