Most states have a minimum amount of insurance a driver must obtain before operating a vehicle. In most states, drivers are required to have a minimum amount of liability insurance which will cover injury and damages to the other driver in the case of an accident. The reality is that although states set forth requirements, drivers in many states don’t bother to purchase any type of premium. This is not only illegal, but could end up costing you – even if you are a responsible driver with insurance coverage.
Uninsured drivers impact you
If you get into an accident with an uninsured motorist, they will be in trouble with the law, but it could end up costing you in repair and medical bills. However, if you want to protect yourself in this type of situation, it is also likely to cost you. Most insurance policies have uninsured motorist coverage available, which offers protection for property and bodily damage if the driver at fault is uninsured. Some states even require drivers to obtain this type of support.
Underinsured drivers are a concern, too
While the amount of liability insurance required varies by state, some states require as little at $5,000 worth of coverage. The state of Nevada requires liability policies carry a minimum of $15,000 for bodily injury or death. Although this is substantially better than no protection at all, it may not be enough to cover all damages incurred an accident.
There is often a gap in the minimum amount required and the necessary amount to cover damages in the case of an accident. This could leave you stuck with the excess bills or even paying out-of-pocket to sue them.
More coverage could help
If you are concerned about the possibility of an accident with an uninsured or underinsured driver, you may want to consider purchasing more coverage. You may also consider purchasing added support just for the peace of mind. There are several different options for extra coverage including protection against uninsured drivers, comprehensive policies, coverage for excess medical and/or property expenses. If you have purchased added protection and are involved in an accident, it will then be the insurance company’s responsibility to pay or sue to reclaim costs.
If you are interested in learning more about any of the extra protection available or simply need auto insurance in Las Vegas, the experts at Accupro Insurance Service can help. With a focus on customized coverage, you will feel confident you are protected in any scenario. Call (702) 251-4949 to get a quote today.