Uninsured/Underinsured Motorist Coverage
When you purchased your auto insurance, were you fully aware of which coverage options you were opting for and out of? Far too many motorists simply go with the standard package, assuming they will receive adequate coverage by doing so. Unfortunately, this means that a large majority of motorists find out they are lacking sufficient coverage once it is already too late.
A vital coverage option that many motorists neglect is uninsured/underinsured motorist coverage. Despite popular belief, your standard auto insurance policy does not provide you with protection against uninsured motorists or underinsured motorists. Therefore, in order to receive protection against a large majority of New Yorkers on the road, you must obtain the necessary protection.
Uninsured/underinsured motorist coverage will provide you with protection when others choose to neglect their responsibilities. This goes for hit and runs, and when a motorist simply does not have sufficient coverage limits. For example, if you are involved in a serious car accident that results in your injury but the at-fault party’s auto insurance liability limits are the minimum required, you may not receive the coverage you need to recover with ease. However, with uninsured/underinsured motorist coverage, you will have an extra cushion of coverage providing you with protection when you need it most.
While you may be inclined to view this extra coverage option as an unnecessary expense added to your premium, it is important that you know that over a third of Americans navigate the open roads without insurance, despite the legal requirement. Rather than allowing someone else’s negligence to negatively impact your financial situation, simply opt for this extra layer of protection!
Contact Lofgren Agency for all of your New York auto insurance needs. We can add uninsured/underinsured motorist coverage to your policy to ensure you are receiving the protection you deserve on the open New York roads.