While car insurance is mandatory in most states, this still doesn't stop people from driving without insurance.
According to the Insurance Research Council, an estimated one in seven drivers on the road is without insurance. This means that for those who do have insurance, the chance of being involved in an accident with someone who is without insurance is a risk that we face every day.
Not only do drivers without insurance put themselves at risk, they put other motorists at risk as well. If you become involved in an accident with an uninsured motorist, and he or she is at fault, you could be left responsible for paying for your medical and repair bills.
For the responsible drivers out there who are insured, here are some ways that you can protect yourself from an uninsured motorist.
Practice Defensive Driving
Defensive driving is one of the best ways to prevent accidents. If you notice a driver that seems unsafe, slow down and let them pass. Be aware of other drivers around you, and keep alert for drivers who are not obeying the rules of the road. Avoid talking on the phone, texting, eating, or anything else that distracts you while driving.
Uninsured Motorist Insurance
Uninsured motorist insurance offers protection in case you are involved in an accident with an uninsured motorist who is found to be at fault. It offers coverage, and pays for your vehicle to be repaired. It also offers coverage for any of your potential medical costs involved with the accident. This coverage provides you with valuable peace of mind, allowing you to know that no matter the accident, you and your car will be covered - even if the other driver is not.
Proper Course of Action After an Accident
After an accident, make sure you document everything you can about the accident. If you are involved in an accident with someone who does not have car insurance, be sure to obtain their contact information, vehicle type, and license plate number. You may also want to consider hiring an attorney, to help investigate whether the other driver was covered under someone else’s policy. An attorney may also be able to help you to bring a claim against the uninsured driver.
Texas Insurance Agency provides valuable car insurance policies to motorists in Houston, Texas and the surrounding areas. For more information on protection against uninsured drivers, contact Texas Insurance Agency today.