Imagine driving home after a long day at work. You’re probably anxious to get home to your loved ones, right?
Then all too suddenly you find yourself in an accident with another vehicle and instead of going home you’re stuck waiting for the police to arrive, or worst yet, you’re being transported to the nearest emergency room.
You think you’ll be okay, because to your relief, the accident was through no fault of your own…but then you learn the other motorist has no insurance and no assets. This means even if you were to sue there will be nothing for you to gain. While the accident may have been unavoidable, the situation you now find yourself in was.
The answer to your situation, and to so many like you, is uninsured motorist coverage!
What is Uninsured Motorist Coverage?
You can request to add uninsured motorist coverage to your existing auto insurance policy by simply contacting Hegarty-Haynes Insurance. This coverage can protect you from the 16.1 percent of U.S. motorists who have no auto insurance regardless of the fact that it is illegal in all 50 states for them to drive without it.
It can also protect you from a hit and run driver or a driver of a stolen vehicle.
Here’s how it works. If an uninsured motorist – a driver without insurance or assets – were to hit you then your insurance company will pay for any injuries you may have sustained. In some situations, depending on the state, your insurance company will even pay for any damages your property may have encountered.
While many states, including the District of Columbia, Maine, Kansas and Illinois (just to name a few) mandate the purchase of uninsured motorist coverage, many more do not. For those that don’t have this extra cushion of protection, should you get in an accident with an uninsured driver even when it’s clear that they were at fault, your options will be limited.
So don’t delay, contact us today.
How Much Will It Cost?
A little extra protection – and let’s not forget peace of mind – can go a long way!
Uninsured motorist coverage is cheap protection, considering that Arizona has one of the highest percentages (22%) of uninsured motorists, and that 14% of all car accidents are caused by uninsured motorists according to 2013 statistics.