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Should I Decline Uninsured Motorist Coverage?

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Should You Reject Uninsured Motorist Coverage in San Diego, CA

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Practically everyone is going to be involved in at least one auto accident over the years, and those situations can bring your life to a grinding halt. While you might think most collisions result in relatively quick and fair settlements, that isn’t always the case. An auto accident can become especially convoluted if one or more parties are completely uninsured. This is why it’s so important for all drivers to take a close look at the many benefits of uninsured motorist coverage. 

Understanding Basic Auto Insurance Policies

Most drivers realize they’re required to have some type of auto insurance, but many people don’t know exactly what their policies cover. As a general rule, a basic policy is going to have a set monetary limit that covers expenses associated with an accident, including medical bills, repairs, and replacement parts. Property liability coverage is included in most basic policies as well, and that covers damage to things like telephone poles, fences, and structures.

What Is Uninsured Motorist Coverage?

Even though a basic policy is going to be your first line of defense against a financial disaster, it isn’t adequate in every situation. A frightening number of motorists drive around completely uninsured, and that lack of insurance could result in some major problems if these individuals are ever involved in accidents. Unfortunately, a basic policy typically won’t cover all of your expenses if the other driver doesn’t have a policy of his or her own. In those situations, uninsured motorist insurance will basically extend your policy so it includes what the other party’s insurance would have covered if he or she were insured. 

The Benefits of Uninsured Motorist Coverage

There are quite a few reasons you should consider including uninsured motorist coverage in your existing policy. Following an accident, you never want to worry about what your finances are going to look like or how you’re going to make ends meet. Those situations are especially stressful when you’re dealing with another driver who is underinsured or completely uninsured. With uninsured motorist coverage, you can rest assured you’re going to receive the financial compensation you need for vehicle repairs, vehicle rentals, medical bills, and time off work. 

Additional Coverage All Drivers Should Consider

In addition to uninsured motorist coverage, you might also want to take a closer look at comprehensive insurance. Collisions aren’t the only reason vehicles get damaged, and your existing policy might not cover repairs in a variety of common situations. Comprehensive insurance is another add-on that will expand your policy so it covers floods, fires, hail, contact with animals, and falling objects. In some cases, it might also help you repair or replace your windshield if it ever cracks or shatters.

If you want to know if you’re covered in the event of an accident with an uninsured driver, consult your insurance provider. Drivers who are searching for reliable, affordable auto insurance should reach out to the experienced professionals at Altra Insurance Services. In addition to auto coverage, we offer a variety of insurance products, including homeowners, business, and motorcycle insurance. San Diego residents should call one of our friendly agents today at (800) 719-9972 for a free quote.

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