Uninsured Motorist Coverage: Do You Need It?

Getting your car insured is a crucial step towards protecting your assets and financial security. However, what happens when you get into an accident with an uninsured driver? Will you be left with the burden of medical bills and car repair expenses?

This is where uninsured motorist coverage comes in. In this blog post, we will discuss everything you need to know about uninsured motorist coverage and why you may need it.

What is Uninsured Motorist Coverage?

Uninsured motorist coverage is an optional add-on to your car insurance service that covers you and your passengers in case of an accident with an uninsured or underinsured driver.

It can cover medical expenses, lost wages, and car repair expenses. It is important to note that uninsured motorist coverage is not required in Massachusetts, but it can provide peace of mind knowing you are protected.

Why Do You Need Uninsured Motorist Coverage?

According to the Insurance Research Council, approximately 1 in 8 drivers in the US are uninsured. So there’s a possibility that the other driver may also be uninsured if you get into an accident with them.

As per the report of the Insurance Information Institute, the percentage of uninsured drivers in Massachusetts is below the national average, with only 6.2% of drivers being uninsured.

However, this still means that there is a risk of getting into an accident with an uninsured driver.

How Much Uninsured Motorist Coverage Do You Need?

The amount of uninsured motorist coverage you need may vary depending on your individual circumstances. However, it is recommended that you have at least the same amount of coverage as your liability coverage. Liability coverage is the amount of coverage you have if you are at fault in an accident and is required by law in Massachusetts.

For example, if you have $100,000 in liability coverage, you should have at least $100,000 in uninsured motorist coverage. This ensures that you and your passengers are covered in case of an accident with an uninsured or underinsured driver.

How to Get Uninsured Motorist Coverage?

If you are interested in getting uninsured motorist coverage, you can contact your car insurance service provider for car insurance quotes in Springfield. 

Western Mass Auto Insurance, for example, offers uninsured motorist coverage as an optional add-on to their auto insurance in Springfield. Getting a quote for uninsured motorist coverage is a quick and easy process, and can provide peace of mind knowing you are protected in case of an accident.

Protect yourself and your passengers by getting uninsured motorist coverage. Contact Western Mass Auto Insurance today for a car insurance quote and to add uninsured motorist coverage to your policy.