Have you ever considered how it would play out if an uninsured motorist ran into your car on the road? How might you repair or replace your vehicle? How might you or your passengers pay for medical treatment? What about financial coverage if you or your passengers require time away from work to recover?
If you have uninsured motorist coverage, you won’t have to worry about these hypotheticals. Although it’s not required in Georgia, uninsured motorist coverage is a smart addition to any insurance policy for four significant reasons:
1. It Can Cover Medical Treatment for Injuries
Accidents range in severity, and many people can walk away from a collision unharmed. However, there is always the possibility of requiring medical attention after an accident with an at-fault and uninsured driver. Those with uninsured motorist coverage can rely on their policy to help cover any medical bills from treatment.
Uninsured motorist coverage also protects your passengers if they require medical treatment following the accident.
2. It Can Cover Property Damage
Whether it’s a high-speed collision or a small fender bender in traffic, an accident brings with it some type of property damage. Fortunately, uninsured motorist coverage can cover repair or replacement costs for property damaged in a collision with an at-fault and uninsured driver. Insured property includes the car and anything inside, like:
- Phones
- Computers
- Cameras
- Tools
If it requires repairs or replacement after an accident, uninsured motorist coverage can take care of it.
3. It Can Protect Your Livelihood
Sometimes an accident leads to severe injuries that require time away from work for recovery. Fortunately, you can rely on an uninsured motorist policy to help you stay on track financially with minimal interruption.
Similar to assisting with medical bills, your policy can help your passengers with loss of wages if they also require time off of work to recover.
4. There are Many Uninsured Drivers on the Road
According to the Insurance Research Council, there are 215 million drivers in the United States. 32 million of those drivers are uninsured. In other words, roughly one in eight drivers risk causing an accident without any means to help cover it. With uninsured motorist coverage, you are shielding yourself against the possibility of encountering one of these drivers on the road and being left on your own to cover the damages.