Do I Need Uninsured/Underinsured Motorist Coverage?

  Most motorists on the road are smart, safe drivers who have reliable auto insurance in place. However, there are a select few (that continue to grow in numbers) that have insufficient coverage or no coverage at all. If you are a motorist who is a conscientious driver and has a great policy in hand, you can still suffer financially if you are hit by an uninsured driver. Fortunately, if you have uninsured/underinsured motorist coverage, you can receive help from your insurer.   Uninsured/underinsured motorist insurance is a coverage that you can add to your auto insurance policy. It will kick in if you have been involved in a car accident with a driver who had no insurance or too little insurance to cover the claim. Underinsured motorist coverage will kick in when the at-fault driver does have car insurance, but their policy limits aren't enough to pay out for all of your expenses. Uninsured coverage helps to protect you from damaged caused by other drivers who do not carry car insurance at all. It can help to cover your medical expenses, lost wages, and pain and suffering damages. It can also protect you if you have been a victim of a hit-and-run accident.   Even if you are a driver who holds great auto insurance coverage, others out there may not have any or a very inadequate policy. That is why uninsured/underinsured motorist insurance can help you if you are involved in these situations.   You deserve an auto insurance policy that works together to bring you the best possible coverage to protect your finances from the worst. For quality coverage, contact Little & Sons Insurance Services today.