If another driver causes an accident and I’m hurt, their Auto Insurance pays for my injuries | Insurance Myths

Here’s what you need to know:

• Uninsured Motorist Coverage: Protects you when the at-fault driver has no insurance, covering expenses like medical bills and lost wages.
• Underinsured Motorist Coverage: Helps when the at-fault driver’s insurance isn’t enough to cover your costs, bridging the gap between their policy limits and your actual expenses.

Including these coverages in your policy and setting adequate limits ensures you’re prepared for the unexpected. Without them, you could face significant out-of-pocket costs.

Why This Coverage Matters

Picture being in a serious accident caused by an uninsured driver. Without uninsured motorist coverage, you’d shoulder all the expenses—medical care, vehicle repairs, even legal fees. Underinsured motorist coverage ensures you aren’t left paying when another driver’s policy falls short. These coverages are your financial safety net, offering peace of mind every time you hit the road.

📂Take Action: Review Your Policy

Uninsured and underinsured motorist coverages are often overlooked but are essential. Review your auto policy or contact your insurance agent to confirm you have these protections and that your coverage limits are sufficient. Your Murphy Insurance agent can help tailor your policy to meet your needs.

Don’t wait for an accident to reveal gaps in your coverage. Take a moment today to review your policy and ensure you’re fully protected from uninsured and underinsured drivers. It’s a small step that can make a big difference. Contact us today to help you have the protection you want and need.