Unfortunately, not every driver on the road in Denver, CO has insurance. If such a person hits your car, you do have options, especially if you already have an auto insurance policy from AFI Insurance. Here’s what you need to know.
How an Accident with an Uninsured Motorist Can Devastate You
When a collision occurs, the insurance of the at-fault driver should pay for the damages you sustain. Those damages can include repairs to your vehicle, medical bills, and even lost wages. When an uninsured motorist is an at-fault driver, there’s no insurance company, leaving you dealing with the expenses.
An accident with someone with no insurance can negatively affect your life in profound and critical ways. You can attempt to sue the motorist directly, but odds are that individual will not have the assets to cover any of your damages.
Why You Need Uninsured Motorist Coverage
Uninsured motorist coverage exists specifically for dealing with accidents with uninsured motorists. Often, this insurance option comes with underinsured motorist coverage as well. Some people may have insurance, but not enough insurance. In either case, these policies will kick in to help cover you.
Uninsured motorist coverage isn’t mandatory in Colorado, so you have to add it to your policy. When you make a claim, you will make it against your policy’s coverage limit, which your insurance company will pay.
What to Do If You’re In an Accident with an Uninsured Motorist
If you’re in an accident, make sure you’re okay. If not, seek police and medical attention immediately. If you can, check on the other driver. If the driver is amendable, you can gather information. Try to get the person’s name, contact information, and possibly a signed statement. You can give all this information to your insurance company with your claim.
Uninsured motorist accidents happen frequently in Denver, CO. Don’t wait too long before you add uninsured motorist coverage to your policy. Contact AFI Insurance today to learn more about uninsured and underinsured coverage for you and your vehicle.