4 Reasons You Need Uninsured Motorist Coverage header image

4 Reasons You Need Uninsured Motorist Coverage

A car accident doesn’t exactly make anyone’s day. But what if you’re in an accident involving an uninsured motorist? You could be the one who winds up paying. Here are four reasons you need uninsured motorist coverage.

1. Many Drivers Are Uninsured

According to a 2018 study by the Insurance Research Council, 1 in 8 drivers nationwide don’t have auto insurance. The risk may not seem overwhelmingly high, but it certainly exists. So, if you’ve been asking yourself whether uninsured motorist coverage is necessary, the answer is a resounding “yes!” When you have it, you won’t have to worry about coverage if you’re in an accident with an uninsured driver.

2. Coverage Is Cost-Effective

Uninsured motorist coverage is not expensive. Typically, it means the difference of less than $10 a month. This is a small price to pay, especially when considering the peace of mind it can bring you. Consider the small investment and gain greater protection for when you least expect it.

3. It Can Protect Your Passengers

If you have passengers in your vehicle and are hit by an uninsured motorist, uninsured motorist coverage can step in to cover those passengers. It can help cover medical expenses if you or your passengers are injured and unable to work as a result of the accident.

4. It Can Safeguard Your Livelihood

It’s worth purchasing an uninsured motorist policy to help you recoup any losses as a result of an accident. If you’re hurt or seriously injured and unable to work due to a car accident with an uninsured driver, uninsured motorist coverage can help you recover lost wages as well. An uninsured motorist policy will provide you with financial assistance and help ensure your livelihood isn’t interrupted.

Get the Coverage You Need

Uninsured motorist coverage can give you added peace of mind when you’re on the road — and at a nominal cost to you. For this and other ways to protect your vehicle, your home and the things that matter most in your world, contact your Farm Bureau agent.

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