Protection Against Uninsured Drivers
大约12.占所有驾驶者的6%, 或者八分之一的司机, 没有汽车AG捕鱼王在线app下载吗, according to the AG捕鱼王在线app下载 Research Council.¹
Having the misfortune to get into an accident with an uninsured motorist may have serious financial consequences, depending upon the state in which you reside and whether it is a “no-fault” or “tort” state.
In no-fault states, the law does not assign blame for an accident. As a result, each driver is reimbursed by his or her insurance company for any damages. 处于“侵权”状态, insurance companies pay out claims based on the percentage of fault assigned to each driver.²
Any accident with an uninsured driver means no insurance reimbursement payment for his or her apportioned share of the damage. This can leave you holding the financial bag.
How to Protect Against Uninsured Drivers
Some states require drivers to take out insurance for uninsured (and underinsured) motorists. Where not required, it may be a good idea to add that coverage to your auto policy.
You can buy protection against uninsured (and underinsured) drivers for both bodily injury and property damage. This coverage may also be valuable in cases where an insured motorist flees the scene of an accident without trading insurance information.
The first step to protecting yourself against this potential financial risk is to contact your insurance agent to discuss your current coverage, 适用的州AG捕鱼王在线app下载法, and what you need to do to obtain protection against uninsured motorists.
1. AG捕鱼王在线app下载研究.网站,2021年3月22日. Most recent data available as of June 2023.
2. The information in this material is not intended as legal advice. Please consult legal or insurance professionals for specific information regarding your individual situation.
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