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Wrecked CarsAs much as we try to avoid them, accidents happen. While we want to believe that everyone is responsible enough to carry the correct amount of insurance coverage, the truth of the matter is that 1 in 8 drivers are driving without basic insurance coverage. Being in an accident with an uninsured/underinsured motorist, even if they are at fault, can cause great financial strain on you.

Uninsured/underinsured motorist coverage is broken down into four categories under two standard types:
  1. Underinsured Motorist Bodily Damage
  2. Uninsured Motorist Bodily Damage
  3. Underinsured Motorist Property Damage
  4. Uninsured Motorist Property Damage
In the event of an accident with an uninsured/underinsured motorist, the bodily damage category covers those costly medical expenses that occur while the property damage category covers the costs of car repair or replacement. While uninsured/underinsured motorist insurance is not a replacement to your collision or personal injury coverage, this policy is an extension to help pick up where those coverages leave off.

Another time that uninsured/underinsured motorist coverage kicks in is in the event of a hit and run accident. While these accidents generally only cause collision damage to the vehicle, when the other driver fails to stop and leave their insurance information, you are left with the full cost of repair.

While uninsured/underinsured motorist coverage is not required in all states, it is highly recommended in order to help keep you and your passengers covered when the unthinkable occurs.

At Fleming & Riles Insurance, we understand how important it is for you to be covered when accidents occur. Call us today at (800) 833-4379 to find out more about the Albany GA Auto Insurance policies we offer.
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