Do you know how to protect yourself against uninsured drivers?
For drivers, there are plenty of possible situations in which you might find yourself that range from inconvenient to dangerous. There’s bad weather, flat tires, mechanical failure of various kinds, and then there are uninsured drivers. You will never be able to tell if the driver next to you on the road is insured, at least not unless they run into you and then give you the bad news. At that point, you should lose no time in contacting truck and car accident attorneys.
While there is no way for you to force the other motorists on the road to get insurance, there are still precautions that are within your power.
Be Insured Yourself
The most significant thing that you can do to prepare yourself for a possible run-in with an uninsured driver is to have insurance. Even if all you can afford is a basic auto insurance policy, you’ll be glad that you have it in place if someone runs into you unexpectedly. Some states even have programs to assist lower-income drivers with getting coverage, so if you’re in a pinch, look into that.
Get Uninsured Motorist Insurance
Some people might not be aware of coverage called uninsured motorist coverage, or UM. It’s not a necessity, but you might want to consider getting it anyhow. It’s insurance that is set up specifically to help you in the case that you are involved in an incident with an uninsured driver, and they are the guilty party. It will pay for your medical bills and those of any of your passengers who were injured. There are several different varieties out there.
Get UMPD Coverage
Another form of coverage that you can consider is Uninsured Motorist Property Damage, or UMPD. This is coverage that you can get which handles claims where property was damaged due to your accident with an uninsured driver. It will also pay for the damage to your vehicle. Neither one of those things are covered by uninsured motorist insurance, so you may wish to get both to feel truly safe from any eventuality.
Get UIM Protection
There is also UIM protection, which is where an at-fault driver who hit your vehicle has a certain amount of coverage, but not enough to pay for all of the damages. A UIM protection policy will pay the shortfall.
Keep Calm on the Road
The final item worth mentioning does not have to do with an insurance policy, but rather, it is a reminder for all drivers. If you are in the vicinity of another driver who seems to be acting recklessly, the best thing to do is to disengage yourself from them rather than to honk your horn, gesture, or roll your window down to yell at them. Defensive driving means not escalating a situation. If you end up colliding with that driver, they could become violent, and they might not be insured. If someone is acting erratically on the road, get away from them as soon as you’re able to do so.
Being safe on the road sometimes means additional insurance policies, and it means always following all traffic regulations. If you do get in a collision with an uninsured vehicle, you can figure out the appropriate action to take at that time.
Thanks for stopping by today, I hope you have found this post useful on how to protect yourself from uninsured drivers. Unfortunately it’s much to common nowadays on the roads.
If you enjoyed this post, you may like my top tips on essential car maintenance.
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