Invest In Optional Coverage Options To Protect Yourself Against Uninsured Motorists
Invest In Optional Coverage Options To Protect Yourself Against Uninsured Motorists
The state of California requires all drivers in the state to carry continuous auto insurance to satisfy mandated financial responsibility laws. While this is the law, it is not uncommon for individuals to drive without insurance. Statistics show that as much as 30 percent of drivers in the state of California do not have insurance. Although the DMV does electronically verify auto insurance, it is difficult for one state department to catch and convict all drivers driving without insurance. If you are one of the responsible citizens carrying auto insurance Orange County to satisfy that state, you are being affected by drivers with no regard for the law. Not only are your insurance rates higher because of claims caused by uninsured drivers, you could end up injured with no coverage if someone hits you with no insurance. Know how to protect yourself against this and do not leave yourself vulnerable to unpaid medical bills.
All auto insurance companies in the state of California are required to offer Uninsured and Underinsured auto insurance coverage. These optional coverages fall into three different categories: Uninsured Motorist, Underinsured Motorist, and Uninsured Motorist Property Damage. While these are optional coverages, insurance companies are required by law to have their policy holders sign a rejection form to verify the policy holder was offered the coverage. Think twice before you sign this form. Signing this form could potentially affect you in the future.
Uninsured Motorist and Underinsured Motorist fall under the same category of coverage. This coverage acts like liability coverage and will pay for the injuries of you and your passengers if someone with no liability insurance Orange County resident hits you. This coverage will also kick in to pay for additional coverage if the driver who hit you did not have enough liability insurance to cover your injuries. If you do not have medical insurance or you frequently drive with friends who do not have medical insurance you should consider this a requirement and not an option. With so many uninsured drivers on the road choosing not to invest in this inexpensive coverage is like driving without insurance for yourself.
Property Damage coverage must be purchased separately. If you carry collision coverage and are hit by someone with no insurance, you are responsible for paying your deductible. Property Damage coverage will pay for the deductible. In addition to this, if you are not carrying collision coverage the policy will pay up to $3500 to repair your vehicle. If you do not have this additional coverage option, you will be responsible for repairs out of your own pocket.
Uninsured Motorist coverage is extremely affordable. If you compare quotes you may find that the cost of coverage only increases your bill by $5 to $10. Sit down with your insurance Orange County agent and obtain a quote to protect yourself against individuals who do not carry insurance. Have the peace of mind you need when you are driving on the highways and invest in this optional coverage. Riverside Personal Injury Lawyer Hire A Personal Injury Lawyer to Get the Rightful Compensation Preparing yourself for SR22 Insurance Why Realtors Need To Keep Personal Safety In Mind Oklahoma Personal Injury Settlements State Farm Scholarships – For Students of Personal Finance and Insurance Midlife Crisis: How to Get Rid of Personal Issues when You're Fifty Claiming For Personal Injury Compensation Should I represent myself in a personal injury claim Business Owner's Insurance Coverage is the Time Right for a Personal Trainer Are You Interested in Becoming a Personal Chef? Business Insurance - All business owners require to know