In 2010, approximately 2.24 million people were injured in automobile accidents in the United States. In some cases, both parties involved carried sufficient auto insurance to cover both physical injuries and property expenses. Unfortunately, though, many times one or both parties may not have carried auto insurance or may not have had enough coverage to properly manage costs. If you are involved in an automobile accident, having uninsured or underinsured motorists coverage added to your Putnam Connecticut auto insurance policy may save you a considerable amount of time, difficulty, and money.
Uninsured Motorist Coverage
The USA Today reports that 10 percent of all drivers in Connecticut do not carry any type of auto insurance. What this means for you is that if you are in an accident with one of these drivers, your expenses may not be covered even if the other driver is at fault. This is why it is important to have your own Putnam Connecticut auto insurance policy to fall back on.
Underinsured Motorist Coverage
Other drivers may carry auto insurance but not at sufficient levels to cover all expense incurred in a serious automobile accident. In these situations, underinsured motorist coverage will pay the difference between the policy limits from the insurance policy of the driver at fault and the actual medical costs involved. When you consider that The National Safety Council estimates that the costs associated with a nonfatal disabling injury from an auto accident is over $70,000, it is easy to see how vital having additional coverage could be.
To protect your health and your future, talk to your insurance agent about adding uninsured and underinsured motorist coverage to your automobile policy today!