Hastings & Hastings Encourages Opting for More Than Minimum Coverage
In order to legally operate a car you must have collision insurance. But, unfortunately, 14% of drivers defy this requirement and operate their vehicle uninsured.
Phoenix, AZ, July 16, 2015 (Newswire.com) - In order to legally operate a car you must have collision insurance. But, unfortunately, 14% of drivers defy this requirement and operate their vehicle uninsured. For this, law abiding, insured drivers, are almost forced to insure uninsured and underinsured drivers.
"Collision insurance really only covers one thing, the other driver and their car. Even though it seems unfair that one must foot the bill for another's carelessness, uninsured driver insurance, and underinsured driver insurance is highly recommended," said David Hastings, president and attorney at Hastings and Hastings.
Almost nothing can be more devastating than suffering an accident, and discovering that your insurance provider fails to cover the medical damages, lost wages, and pain and suffering resulting from the accident because the driver that hit you was uninsured. Indeed, the emotional turmoil from such an event would be unbearable. The last thing you want is drained finances for an accident that's not your fault.
But, if you have uninsured driver insurance, your insurance provider will likely compensate you for the damages associated with the accident. If you have under insured driver insurance, then your insurance company will likely make up the difference that the other vehicle's insurance company fails to pay. Indeed, if you are in an accident with an uninsured driver, recovering damages directly from the assailant will be difficult, given that most uninsured drivers are broke.
It's interesting because most people avoid minimum health care coverage, but most drivers seek only the bare minimum coverage. Sadly, the expense is transferred to responsible drivers who have money, and are most likely good drivers. Indeed, be mindful that every time you hit the highway, your life, happiness, and health are in jeopardy, and if there's one thing worth fearing in this world, it's a catastrophic automobile accident. Remain fully attentive while driving, and watch for the other drivers on the road.