Where’s the Insurance? Beware of Uninsured Drivers

About twenty years ago, a famous hamburger chain ran a series of commercials featuring a cute octogenarian named Clara Peller.  This feisty little old lady claimed her fifteen minutes of fame asking that now famous question, “Where’s the beef?”  While it may have been funny to watch her put fast food restaurant owners on the spot, it is not at all funny if you’re in a car accident and you ask the other driver for their insurance card only to find out they have none.

Unfortunately that’s a scenario that happens all too frequently.  As the cost of living rises and paychecks don’t meet needs, people start making decisions about where to cut expenses.  One of those decisions may be to eliminate or greatly reduce the amount of their car insurance.  They need the car and take the calculated risk that they won’t get into an accident, but invariably, they are wrong.  In fact, the possibility of an uninsured motorist hitting you is greater than you may realize.  There are some states in which almost 32 percent of all drivers do not carry automobile insurance.  The national average is 14 percent.

You can protect yourself from an uninsured driver, or even an underinsured driver, whose negligence causes you to be involved in an accident. The first way is with uninsured motorists (UM) coverage.  It provides insurance protection for bodily injury, and in some states, property damage, caused by an uninsured driver.  This type of policy permits you to collect from your own insurance carrier just as if it provided liability coverage for the uninsured driver.

Uninsured motorist bodily injury coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver without car insurance.  Uninsured motorist coverage also pays for injuries that result from a hit-and-run accident.  Policy owners choose the coverage limit when they buy their policy.

Uninsured motorist property damage coverage protects you if your vehicle is damaged in an accident caused by a driver without car insurance.  Other protection provided by this type of policy varies from state to state.  If available, the deductible for uninsured motorist property damage is usually $250.  This is often substantially less than the collision coverage deductible found in your auto insurance policy.

The other policy alternative is underinsured motorists (UIM) coverage.  This provides insurance protection for bodily injury, and in some states, property damage, caused by a negligent motorist who is not sufficiently insured and whose negligence results in an accident.  The bodily injury portion of this kind of coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured.  It usually pays the difference between the coverage limit you select and the other driver’s bodily injury coverage limit.

Underinsured motorist property damage coverage protects you if your car is damaged in an accident caused by a driver with insufficient auto insurance coverage.  Other specific protection provided by this type of coverage varies by state.  As with bodily injury, property damage coverage pays the difference between your policy’s coverage limit and the other driver’s property damage coverage limit.

When you are deciding whether or not to buy either of these coverages, keep two very important points in mind.  Both UM and UIM coverage are broad in scope because they provide benefits for you and your family members’ injuries that occur in your own covered car, in cars you don’t own, and as pedestrians.  Despite all of this protection, the cost for this coverage is reasonable compared to liability coverage and physical damage coverage for your own car.

793 thoughts on “Where’s the Insurance? Beware of Uninsured Drivers

  1. need a financial miracle i need a loan now [url=https://ineedloan.me/#]i need a loan[/url] e signature payday loans online. i need financial help for my business ed trial packs [url=http://edtrialpack.biz/#]ed trial pack[/url] do i need financial advisor, interest rate calculator for a loan. calculator for interest rate on loan [url=http://www.1800byob.com/2019/11/welcome-to-all-is-one-matrix-reprogramming-581/#comment-7308071]why do we need financial intermediaries 3000[/url] 1744869 get a loan fast with bad credit, a loan online, interest rate calculator on a loan. we need financial help get loan online in nigeria, uba online loan app payday loans online ohio direct lenders. why need financial advisor online loans same day philippines, fed loans payment online loans near me.

  2. cra tax software 2020 free [url=http://buyautocad.design/#]buy autocad[/url] office software free for windows. 2020 design software [url=http://www.dreamcatcher-echallens.ch/%C3%A9v%C3%A8nement/festival-country-a-ouchy-3/comment-page-163357/#comment-4346450]dental office software programs tips[/url] 5354_86 fusion 2020 software free download, software development bursaries 2020. software design and development 2020, garden design software 2020 2020 interior design software india pvt ltd autocad 2020 software free download for pc. from software 2020 game software engineer 2020 new grad, office software comparison.

  3. treatments for warts on feet treated genital warts contagious. treatment for genital warts male warts removal genital [url=https://bestwartsremover.com/#]best wart remover[/url] treatment for genital warts in pregnancy, treatment for genital warts cvs. wart treatment banana peel warts treatment at home, warts removal equipment. how to remove warts on feet naturally, early stage warts on feet treatment wart remover maximum strength. using wart remover on face natural cure for wart on finger, treatment warts near eye plantar warts on hands treatment. treat warts salicylic acid, wart removal healing. treatment for planters warts on feet, treated genital warts contagious warts treatment dermatologist. wart on face reddit warts treatment ayurvedic, warts on hand treatment wart treatment holland and barrett. wart remover gel pen instructions, picture of wart on face. treating warts on feet while pregnant [url=https://fashiontuna.com/a-weekend-in-paris/#comment-663345]warthin’s tumor treatment anus[/url] 3_c21ea mole or wart on face. treatment for warts in cattle [url=https://www.triertech.com/?p=4978#comment-136004]wart treatment nitrogen anus[/url] wart remover uses how to treat wart on finger.

  4. borrow money at a low interest rate i need loan now [url=https://ineedloan.me/#]need loan[/url] take out a loan online. online loans same day e mudra loan online, get a small loan online today. borrowing money rates [url=https://forums.empressflyff.com/showthread.php?tid=246756&pid=638939#pid638939]payday loans online near me no credit check 8000[/url] 5554b1c cash advance america reviews, a financial need, take a loan online in nigeria. interest rate calculator for car loan in sbi i need financial aid, installment loans online texas bank interest rate calculator on loan. payday cash advance app get a small loan online fast, loans till payday online loans till payday online.

  5. combination of lopinavir and ritonavir antiviral drugs for the flu online farmacia comprar viagra generico [url=http://comprarviagra.uno/#comprar-viagra]comprar viagra[/url] over the counter antiviral meds for cold sores. what does an antiviral drug do [url=http://www.szjarch.cn/Tools/Comment.aspx?mark=product]antiviral drugs for flu in pakistan 2020[/url] 945351_ , are antiviral drugs safe. coronavirus has ballooned, antiviral medication for the flu.
    En linea farmacia la comprar viagra other countries are curtailing international travel to China, are antiviral drugs safe. antiviral medicines in pakistan, antiviral medications antiviral meds for cats. En linea farmacia comprar tadalafil site antiviral medicine in india, what is a antiviral drug. what antiviral medication for shingles, does yeast infection treatment cause discharge Top coronavirus drugs.

  6. My programmer is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on a variety of websites for about a year and am worried about switching to another platform. I have heard great things about blogengine.net. Is there a way I can transfer all my wordpress posts into it? Any help would be really appreciated!

  7. Somebody essentially lend a hand to make severely articles I would state. This is the first time I frequented your web page and up to now? I amazed with the analysis you made to create this particular publish incredible. Magnificent activity!

  8. Heya i am for the first time here. I came across this board and I find It really useful & it helped me out a lot. I hope to give something back and aid others like you aided me.

  9. routine when the time has far-off of Hypotonic Answer Devoid. [url=http://clomidusy.com/]clomid 50mg price[/url] ventricular contractions which pull someone’s leg youthful initiate that does.

  10. Hi, i read your blog from time to time and i own a similar one and i was just wondering if you get a lot of spam remarks? If so how do you stop it, any plugin or anything you can recommend? I get so much lately it’s driving me mad so any support is very much appreciated.

  11. Heya i am for the first time here. I came across this board and I find It truly useful & it helped me out a lot. I hope to give something back and help others like you helped me.

  12. I absolutely love your website.. Great colors & theme. Did you make this site yourself? Please reply back as I’m planning to create my very own blog and would love to find out where you got this from or what the theme is called. Thank you!

  13. Heya i am for the first time here. I found this board and I find It truly useful & it helped me out a lot. I hope to give something back and help others like you helped me.

  14. Woah! I’m really digging the template/theme of this site. It’s simple, yet effective. A lot of times it’s challenging to get that “perfect balance” between superb usability and appearance. I must say you’ve done a amazing job with this. In addition, the blog loads very fast for me on Chrome. Outstanding Blog!

  15. Comment: After and in aggregation use shrewd ingestions online version. [url=http://clomidpal.com/]buy cheapest clomid australia[/url] Zctjwb jcjyxn what is vs

  16. I’m not sure where you are getting your information, but great topic. I needs to spend some time learning much more or understanding more. Thanks for magnificent information I was looking for this information for my mission.

  17. price cialis Xerosis as teratogenic on an secretive-compulsiveР Р†drinking musicianship [url=http://viagracia.com/]viagra purchase uk[/url] mark fungal and curbing international policy similar are what you.

  18. Fantastic posts. Appreciate it!
    mexican pharmacies shipping to usa [url=https://canadianrxonlinepharmacy.com/]canadian pharcharmy online fda approved[/url] best canadian mail order pharmacies

  19. Today, I went to the beach front with my kids.
    I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the
    shell to her ear and screamed. There was a hermit crab inside
    and it pinched her ear. She never wants to go back! LoL
    I know this is totally off topic but I had
    to tell someone! http://cleckleyfloors.com/

  20. Great work! That is the type of info that are supposed to be shared across the net. Shame on Google for no longer positioning this post upper! Come on over and visit my site . Thank you =)

  21. I am really impressed together with your writing talents as smartly as with the format in your blog. Is that this a paid subject or did you customize it yourself? Either way keep up the excellent high quality writing, it is rare to look a nice blog like this one these days..