Smart Auto Insurance Coverage

All states require drivers to maintain minimum auto insurance coverage. Even so, one in five drivers lacks auto insurance.

If you are involved in an accident, if an uninsured driver hurts you, and they do not have assets to pay your medical bills and lost wages, you will not be able to recover any money from them for the harm they caused.

You should ensure that you have underinsured/uninsured motorist coverage with your auto policy to protect you and your family. It is relatively inexpensive but vitally important. Make sure that your spouse and children are covered.

It is advisable to get coverage far in excess of any state mandatory minimum coverage. Again, the additional cost is typically negligible relative to the potential benefit.