Adam and Associates Insurance Agency Blog

In most states, having car insurance is required in order to register a vehicle; however, not everyone follows the “rules.” Although it’s required by law in many states to have insurance for all vehicles, it’s estimated that up 13.8% of those on the road do not have coverage. When you get in an accident with an “uninsured motorist,” do you know if your current auto insurance policy will cover you? Unless you have purchased coverage specifically for this situation, you may have to pay the costs of an accident involved an uninsured driver out of pocket.

Although this is unfair, it’s a reality that all drivers should know. With the current state of the economy, more and more people are skimming on coverage and finding ways to eliminate it altogether in order to save a buck. It may seem like a good and cost-effective idea to cut your uninsured motorist coverage, but this could present you with crippling debt in the future. For example, if you are injured in an accident caused by an uninsured driver, they ARE responsible and liable for covering all costs. However, it could take many years for the uninsured driver to pay that debt, and you could be stuck with the immediate bill. The “worst” states to drive in are Mississippi, Alabama, New Mexico, Florida and Oklahoma, as about 20% of the drivers in each state are uninsured and not required to purchase insurance.

Those in Alabama, especially, should contact Adam & Associates Insurance for a free rate quote on car insurance, including uninsured motorist coverage and uninsured motorist property coverage. We are an independent insurance agency that also provides coverage to those in Tennessee, Georgia, and North Carolina. Those in Alabama should make sure that they have uninsured motorist coverage worked into their car insurance policy, or else be faced with a potential costly situation. Visit our virtual insurance office today at www.adaminsurance.net!