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Need for Uninsured Motorist Coverage

Unfortunately,  I have seen in the last couple of months more than a few times where people have stated that they do not want uninsured motorist coverage. In Delaware, specifically, you have to affirmatively state you do not want uninsured motorist coverage after being informed of what it would cost.

What is has happened in two different cases recently is one client has not been able to receive any fair money for any injuries as a result of the collision since the person that struck him was uninsured, and he did not have uninsured motorist coverage.

In another case, a person could not receive fair money for her injuries because the driver of her vehicle did not have uninsured/underinsured motorist coverage.

I realize people want to save money as best as they can. However, a quick call to an insurance agent or go online, you will find uninsured/underinsured motorist coverage is not very expensive. That coverage can help you get fair money for injuries that were the cause of someone else not obeying the rules of the road.

Over my almost 37 years of doing this, I have seen it happen all too often. People are saving themselves probably a couple hundred dollars a year, and when a collision happens either they are hit by an uninsured driver, or their injuries are much more severe than the coverages the person that struck them has. You can always sue the person that hit you, but if they are uninsured or have very little insurance, 99 times out of 100 they are not going to have any money to go after even if you get a successful settlement against them.

For everyone’s sake, ask your insurance company how much it costs for uninsured/underinsured motorist coverage. I would think almost everyone can find a way to afford that. Hopefully, you will never be in motor vehicle collision. However, thousands every year are involved in motor vehicle collisions.  You do not want to be someone who is hurt and cannot receive fair money for their injuries,  or only receive partial money for their injuries.

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