Do I Really Need Uninsured/Underinsured Motorist Coverage?
November 3, 2014
Many individuals fail to evaluate all possible coverage options when purchasing their Austin auto insurance policy. However, simply opting for the least expensive, most basic auto insurance policy can prove to be consequential. If you were to be involved in an accident that was the fault of the other driver, their insurance would cover it, right? What if they didn’t have insurance or didn’t have enough? The basic liability only auto insurance policy does not provide protection against motorists who are either uninsured or underinsured. This means that you could be left with all damage costs and medical expenses.
Although Texas law requires auto liability insurance, there are an overwhelming number of individuals who remain uninsured. The last thing you want is to be penalized when you have been rightfully paying your auto insurance premium all these years. To combat this unfortunate situation, you should always opt for uninsured/underinsured motorist coverage. This additional form of protection will provide you with coverage when you are involved in an accident with someone who either does not have insurance or does not have enough. Individuals who may be deemed underinsured are those who did not purchased enough liability protection to cover the damage the damage they caused. This is a very common scenario, stressing the importance of obtaining this extra protection.
When you purchase uninsured/underinsured motorist coverage, you are seeking optimal protection. This extra coverage will provide you with medical expense coverage, lost wages, and damage to your vehicle. Now, you can finally venture the Austin roads with peace of mind, knowing another individual’s negligence will not bring you down!
Since 1958, we have been providing Texas residents with unparalleled insurance services that maximize protection. Contact Central Insurance Agency in Austin for all of your Texas auto insurance needs. We can help evaluate your auto insurance policy and add uninsured/underinsured motorist coverage to your existing policy and increase security in your life.