200,000 to 400,000…

That is the average number of driver’s a day in Massachusetts driving without insurance. Yes, auto insurance coverage is mandatory in Massachusetts, but not everyone follows the rules. What would happen if you got into a car accident with someone with no auto insurance? Yes, you can take legal action against that person, but chances are that will be a long process and more than likely not amount to much help.

Fortunately you have a coverage on your auto insurance policy called Uninsured Motorist coverage. This coverage is for you and your passengers who are injured in an auto accident with an uninsured vehicle. This  coverage pays for medical bills, lost income and property damage expenses. This is YOUR protection. And the price is very affordable.

Do me a favor. Pull out your auto policy today and look at two coverages; Bodily Injury Caused by an Uninsured Motorist & Bodily Injury Caused by an Undersinsured Motorist. These coverages are designed to protect your financial well being if you are involved in an accident with someone with either no insurance or low limits. Do you have less than $100/$300k? If yes, then call your agent today and ask how much it would cost to increase those limits. 

Rememer, just because you follow the rules doesn’t mean that the person in the car next to you does.

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages available to you. Always consult your policy for actual coverages and exclusions.

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