How Well are YOU Protected From Being Injured by a Driver with NO (or very little) Insurance?

1in7drivers (1)At Pardridge Insurance, we know that you would you rather be an educated buyer of car insurance.  We are one of the very few insurance agencies who will take the time to educate you on coverages (without boring you).  Our philosophy is to give our clients relevant information, so they know they are making good, informed decisions.

Take a moment to think about this unfortunate scenario:  Two cars collide, resulting in an accident that possibly causes serious bodily harm to both drivers and their passengers.  Who is at fault?  Chances are only one of the drivers is at fault.  It is also possible that the innocent driver could be a victim of an UN or UNDERinsured driver.

What does being hit by an UN or UNDERinsured driver mean?  It means that the bad motorist has minimal insurance to cover damages or may have no insurance to cover insurance claims or related healthcare costs.  If this is the case, then you (the good motorist) will need to file a claim with YOUR insurance company under your UN or UNDERinsured Motorist coverage.

Now ask yourself this hypothetical question…The next  bad car accident you are involved with, who will be at fault?  Statistics show that the drivers who cause the majority of really bad car accidents are usually young, impaired or wreckless drivers.  How much insurance do you think they have?  Typically, not very much.  If you don’t survive an accident with an UN or UNDERinsured driver or if you are confined to a wheelchair for the rest of your life, how much money will you get from that bad motorist?  Unfortunately, probably very little.  So, it is imperative to protect you and the people you love from a run-in with someone who is less responsible and less insured than you are.  UN/UNDER insured Motorist Insurance is extremely important coverage.

Pardridge Insurance offers $1,000,000 of coverage on UN/UNDERinsured Motorist.  How much do you have now?  Let’s talk.  Give our office a call today at 815-758-4447.

MORE – Read this article for more information on What You Need in Car Insurance. Be sure you have all the coverages and services you need!

May 19th, 2015 by Pardridge Insurance Agency, Inc.