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Jan 15, 2015 (0) comment , ,

According to a study by Insurance Research Council (IRC) 1 driver out of every 7 in the United States is uninsured. If you are in an accident with an uninsured or underinsured driver, significant costs can accrue. McLean Insurance recommends adding Uninsured Motorist Coverage to your Auto Insurance Policy.

What is an Uninsured or Underinsured Driver?

An uninsured driver is someone without an auto insurance policy.

An underinsured driver is someone who has liability coverage for their vehicle but the policy doesn’t cover the possible financial obligations if they are in an accident that is their fault. If you are in an accident with a

driver that only has the state’s minimum limit of liability coverage, the other driver’s policy may not cover the medical bills associated with your injuries. When this happens and you don’t have Uninsured Motorist Coverage, you will have to pay out-of-pocket for damages and medical expenses not covered by the other driver’s policy.

What does Uninsured Motorists Insurance Cover?

Uninsured Motorist Insurance covers medical expenses, pain and suffering and lost wages. In certain circumstances, it can offer coverage for auto repair. The bodily injury portion of this policy will also cover injuries to the passengers in the car or a family member who was driving the vehicle when the crash occurred.

Uninsured Motorist Coverage can be used when the at-fault driver doesn’t have any or enough liability coverage. This policy can save you from having to pay for a car accident you didn’t cause.

Contact your McLean Insurance agent to discuss how much Uninsured Motorist Insurance coverage you need. Factors to consider are:

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