Because of the struggling American economy, The Insurance Research Council anticipates more uninsured drivers will be on the road. This prediction highlights an issue for U.S. citizens who opt to obey the law. How to protect yourself from an uninsured driver?
You can increase your chances of remaining unharmed by an uninsured driver by taking the following steps. They decrease the risk in a potentially disastrous situation. Do:
1) Add uninsured motorist insurance. This product covers you in the event an uninsured driver hits you and this person is the cause for the accident. The three types you should check out are as follows:
- Uninsured motorist (UM): provides for a driver to receive damages for any injury he or she receives from an uninsured, negligent driver.
- Underinsured Motorist (UIM): pays for bodily injury to you caused by a motorist who does not carry enough insurance to cover the costs of the damages caused by them.
- Uninsured Motorist Property Damage (UMPD): policy provision that extends coverage to include property and bodily damage caused by a motorist with insufficient insurance. UMPD is sometimes included in UM or UIM in certain states.
2) Obtain medical insurance. This act is especially important if you don’t have health insurance. An uninsured motorist won’t have the funds to pay for your medical bills. And, your insurance carrier won’t cover medical services if you don’t buy the corresponding coverage. Most U.S. states offer medical coverage for insureds in the following forms:
- Medical Payments (MP): covers for medical expenses for you and any passengers injured in your vehicle.
- Personal Injury Protection (PIP): pays for medical expenses for you and any passengers along with lost wages and funeral expenses.
3) Drive defensively on the road. Travel at a safe distance behind other vehicles on the road. Maintain a reasonable speed equal to the posted sign or traffic. Avoid texting or playing with your pet – both of which can distract you. Never drive buzzed, intoxicated or while exhausted. By staying true to these behaviors, you lower your chances of being in an auto accident.
The above three tips can aid in protecting yourself from an uninsured driver. You cannot always determine who these people are by the look of their car, but you can lower the loss or aftermath of an accident with one.
- 5 Reasons to Ride the Bus
- Should I Get Rental Car Insurance?
- Increase Your Chances of Getting a Ride