Many drivers assume that every car on the road is properly insured, which is not an unreasonable assumption because having auto insurance, or specific forms of financial responsibility, is required by law in Costa Mesa and throughout California. Unfortunately, there are drivers who are uninsured for various reasons, such as missing payments and oversight of policy terms; in some cases, due to the poor economy, some cannot afford insurance for their vehicle. When these motorists cause auto accidents, they lack the insurance necessary to compensate the other parties for the expenses related to their recoveries, such as for medical bills, lost income, and pain and suffering.
“Additional auto insurance in the form of uninsured motorist coverage can protect families in the event of car crashes with those who fail to carry insurance,” explained Costa Mesa auto accident attorney Suzanne Leslie, “ensuring they have the financial resources necessary to make a full recovery.”
The facts are that nearly 14 percent of all motorists in the United States are uninsured, according to USA Today. In Costa Mesa and throughout the country, the cost of an auto accident with an uninsured driver is astounding. Attorney Suzanne Leslie cited figures from a CDC study, indicating that expenses related to medical treatment and loss of wages for one year were nearly $100 billion dollars or the average of $500 for every licensed driver in the entire U.S. The risk of being in a crash with a driver who is uninsured equates to medical bills that must be paid by the victims personally. In the event of a car accident with an uninsured driver, the benefit of uninsured motorist insurance clearly outweighs the cost of the additional coverage.
Auto accident attorneys in Costa Mesa, California, and nationwide suggest adding uninsured motorist coverage to your current policy. States like California require proof of insurance before registering a vehicle, which may contribute to the state’s lower percentage of uninsured motorists; however, the state assumes the driver will maintain that coverage throughout the year. The risk of unfilled claims and insufficient coverage is too great for most families to take.
A short conversation with your auto insurance agent is all that is needed to provide extra protection for spouses, teenage drivers, and children in the family. According to the CDC, “teens and young adults made up 28 percent of all fatal and nonfatal motor vehicle injuries.” If the other motorist was uninsured, medical costs can go uncovered. The study also indicates that “more men were killed in motor vehicle accidents than women,” which can make for a family situation of significant loss of wages that can be covered by the addition of uninsured motorist coverage.
n Costa Mesa and throughout California, auto accidents often result in painful injuries and economic loss—difficult situations that can be made worse by discovering that the other driver involved was uninsured. With one in seven drivers not currently insured, the odds are fairly certain that the insurance coverage from just one policy may not be enough to cover all costs. Contacting your auto insurance agent about adding uninsured motorist coverage is a simple task that will ensure you and your family are adequately covered in the event of an auto accident with an uninsured driver. Protecting a family against uncovered expenses and unneeded anguish can be accomplished by adding uninsured motorist coverage.
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