Hastings & Hastings Notes the Risks of Opting for Minimal Insurance Coverage

To legally operate a car it is required to have liability insurance. This is because driving is an inherently dangerous act. The National Highway and Traffic Safety Administration collision statistics show that over 30,000 individuals lose their life each year in traffic accidents. In total, fatal and nonfatal accidents result in billions of dollars of property damage. Car insurance protects individuals from the financial burden that often accompanies a major car accident.

Hastings & Hastings notes, opting for the minimum required liability insurance could leave drivers vulnerable in worst cases scenarios. Insurance exists to protect individuals when worse come to worse. Almost nothing can be more devastating than suffering an accident, and discovering that an insurance provider fails to cover the medical damages, lost wages, and pain and suffering resulting from the accident because the other driver was uninsured or because the victim opted for minimal coverage. Indeed, the emotional turmoil alone from such an event could be unbearable.

“Collision insurance really only covers one thing: the car. Even though it seems unfair that one must foot the bill for another’s carelessness, uninsured motorist insurance and under-insured driver insurance are highly recommended,” said David Hastings, founder of Hastings and Hastings

Uninsured motorist coverage will protect an individual should they be struck by a driver that does not carry insurance. Unfortunately, according to statistics, 14 percent of drivers operate a vehicle without holding insurance. This puts everyone else on the road at risk. For this reason, it may be beneficial to opt for more than the minimum coverage.

Hastings & Hastings advises carefully considering all insurance options. Every individual’s situation is unique and specific to them. Carefully constructing a budget can allow individuals to project monthly expenditures and account for the cost of higher than minimum coverage. 


Categories: Legal Rights, Lawyers, Accidents

Tags: accident injury lawyers phoenix, lawyers phoenix, phoenix accident lawyers, phoenix personal injury attorny


About Hastings and Hastings

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Hastings & Hastings is an Arizona consumer law firm. We are an experienced trial law firm that represents personal injury and wrongful death victims at a Discount Fee.

Kristy Guell
Hastings and Hastings
Hastings and Hastings
5505 W Chandler Blvd
Chandler, AZ 85226