When shopping for auto insurance policies, one thing you need to consider is uninsured motorist coverage. Driving around on the Chicago streets, you are surrounded by hundreds or thousands of drivers every day. Not all of those drivers will have the proper and required insurance coverage.
Understanding Liability
If you were to get into an accident with another driver, one or both of your insurance companies would be responsible for covering the damages and the medical bills. Generally, the insurance company of the person at fault is the one to pay. That is the person that is liable for the charges.
If you hit another vehicle, and the fault is yours, your liability insurance will pay for the other person’s damages. If another car hits you, their liability insurance will pay for your damages.
No Insurance
So, what happens if another driver hits you, and they don’t have liability insurance? Even though it is required by law that all drivers have auto insurance policies before driving around the streets of Chicago, but many people don’t have the coverage.
This can become a problem for you when there is an accident. You will be stuck dealing with the damages to your car and your medical bills. The payments will have to come out of your own pocket unless you sue the person for damages, but if they don’t have insurance, they likely don’t have the money to pay even if you do sue.
The Importance of Uninsured Motorist
This is the exact situation that uninsured motorist coverage was designed to help you avoid. If you have this type of coverage added to your auto insurance policies, you will be covered if someone that isn’t insured hits you. You will be able to drive around the Chicago metro area with confidence knowing that you are covered no matter what happens.
Another branch of this type of coverage is underinsured motorist. This is for the times that the other person has insurance, but it is so little coverage it doesn’t cover the medical expenses and damage to the vehicle. Your underinsured policy will pick up the leftovers, you won’t have to worry about a penny.
If you need to add uninsured motorists to your policy, contact your Illinois Automobile Insurance Agency and speak to your agent right away. Don’t take the risk of being stuck with a huge medical and auto repair bill. You can also connect them on Facebook.
