Understanding Uninsured Motorist Insurance

Understanding Uninsured Motorist Insurance

Automotive insurance is an incredibly important part of being a responsible driver. There is a lot to insurance, and many people do not fully understand how it works. However, there are just a few things you need to understand to successfully pick the insurance that is right for you. This guide will go over the basics, but a lawyer, like a car accident lawyer in Tampa, FL from Jeff Murphy Law, can discuss your case in detail. Additionally, it will explain a concept that trips up a lot of people: uninsured motorist insurance. Learn everything you need to know about auto insurance.

The Minimum Requirements

When it comes to auto insurance, you are legally required to have coverage for other drivers. This means if you cause an accident, then your insurance will cover any damages caused to other cars. If you do not have this kind of insurance, then you can get in a lot of legal trouble.

Many people also choose to have coverage for themselves. If you cause an accident, this kind of coverage will pay for any damages to your own car. This is not legally required, however, so you can choose for yourself if you want it. You can save a little money each month by skipping this kind of insurance if you are confident that you will not cause an accident. After all, if another driver causes a collision, then their insurance will cover your car.

Remember, whether you are the cause of the accident or not, your insurance only covers a certain amount of damages. Anything above what your insurance covers will be coming out of your own pocket. It is better to get a higher level of coverage to be sure you do not need to pay anything yourself.

Uninsured Motorist Coverage

While it is illegal to do so, some drivers do not have auto insurance. If one of these people collides with your car, then it puts you in a very difficult situation. Because they have no insurance, they may not be able to cover damages to your car. The other driver is still responsible, however, so you may want to file a lawsuit to get what you are due. However, lawsuits can take months to resolve and it is not guaranteed that you will win your case.

If you have uninsured motorist coverage, then your own insurance will pay for the damages to your car in the event an uninsured driver hits you. It is very wise to get this kind of coverage, as you will be fully protected no matter what the circumstances surrounding the accident may turn out to be.

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