According to the Insurance Research Council (IRC), one in seven drivers in the United States, or 14%, does not have car insurance. This risk affects not only motorists but also the insurance market, leading to higher premium costs. This creates a vicious cycle: higher premiums result in more uninsured drivers due to affordability issues.
In Florida, the situation is even more alarming: 15.9% of drivers lack car insurance. This means that if you’re in an accident in the Sunshine State, there’s a significant chance the other driver won’t be able to cover the costs of any severe injuries they cause you.
The Solution: Uninsured and Underinsured Motorist Coverage
How can you protect yourself from an uninsured or underinsured driver? The answer lies in obtaining an Uninsured and Underinsured Motorist Coverage policy.
This coverage is essential in cases where the other driver:
- Doesn’t have insurance.
- Has insurance with limits too low to cover your medical expenses and property damage.
The coverage protects you, your passengers, and your vehicle, ensuring you won’t have to bear the financial burden of an accident caused by an irresponsible driver.
How to Get This Coverage?
If you want to protect yourself and avoid unexpected expenses, contact Univista Insurance to learn more about uninsured or underinsured motorist coverage. A specialized agent will help you find the ideal policy and answer all your questions.
Don’t leave your family’s and assets’ protection in someone else’s hands.
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