Uninsured Motorist Problem

People still drive without insurance, despite the strong laws we have and the severe penalties for disobeying them. The threat of a fine and impoundment of the automobile isn’t significant enough to deter people from driving without coverage. Estimates vary, but owners operate about 30% of the cars you see on the highway without insurance. What’s worse, if you are involved in an accident, the drivers of that 30% are likely to take off if their car is still drivable, leaving you in a hit-and-run situation.

Solution

Luckily, the language of the auto policy provides for payment to hospitals and doctors if you receive injuries because of a hit-and-run driver. You can also purchase an optional endorsement that covers your car against uninsured drivers. It’s cheap, and we highly recommend it.