Why you need to have uninsured, underinsured auto insurance included on your policy

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You are driving down the road, and suddenly someone turns in front of you. Through no fault of your own, you are in a serious accident. Putting your life back together is a challenge.Not only do you have to put your car together, you may need to put yourself back together. What happens if the driver of the vehicle is underinsured, or worse yet, uninsured? (Why jji doesn't write minimum liability limits)This happened to one of our clients, when traveling on Highway 95 they had an underinsured motorist turn in front of them.Injuries were involved, with an estimate of this wreck to run into excess of $200,000.The good news in this mess is that they had uninsured/underinsured motorist coverage.

It is a sad fact, that even though minimum insurance is more than 14%. In Idaho, the number might even be greater. This report suggests that the problem of uninsured/ underinsured motorists is not getting any better.(what are you trying to say??)That is why it is important that you should not be without this important coverage.(The good news is that if you are insured with us, you probably have this coverage, if you have any questions please drop us a line at greg@janjinsurance.com.

How does uninsured and underinsured motorist coverage work?

Uninsured motorist coverage covers you when you are in an accident with an at-fault driver who doesn’t carry liability insurance.

Underinsured motorist coverage however, steps in when you are in an accident with an at fault driver whose liability limits are too low to cover the damage or medical expenses.The at-fault driver’s insurance will typically pay for all damages up to the policy limits. (Think lawsuit for personal assets if the costs exceed the coverage.).Your underinsured motorist coverage will cover the excess amount up to the limits of your policy.

The bottom line

Online insurance companies often allow you to sign this coverage away, without explaining how it will hurt you to do that. Why not have an advocate for you when you need your insurance? Give us a call today at 208-762-2122