Importance of Uninsured Motorist Coverage on Car Insurance

15 March 2013 Categories: All Blogs, Car Accident, Personal Injury

It has been about a year since we posted a blog about reviewing your uninsured motorist coverage. We wanted to remind our readers about the importance of it not only for protection against uninsured motorists, but the policy almost always covers under-insured claims as well. This means that if you are in an accident caused by another driver and that driver only has the state minimum of coverage, your automobile insurance policy would cover damages greater than that minimum. For example, Tennessee’s state minimum coverage is $25,000. If you are in an auto accident that causes you to stay in a hospital for a day or two, you are going to have damages in excess of the other driver’s $25,000 of coverage. Your uninsured/under-insured policy would then be used to pay your damages above the $25,000 limit. McNulty & Associates suggests coverage of at least $250,000 of uninsured/under-insured coverage. With the increased costs of testing and medical procedures, the state minimum coverage does not go very far in providing payment for your injuries. Contact your agent today to discuss the increase. Some agents may not suggest a high coverage policy in the uninsured area but it is important to review and add onto your policy.

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