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Uninsured and underinsured motorist coverage.
You may wonder, why should you pay extra premiums because other drivers either buy inadequate insurance coverage or have no insurance at all. And, yes, I agree - it is so not fair! But! Are you willing not to be compensated for your injuries? Or do you believe your pain and suffering worth nothing? I don’t think so.
By purchasing Uninsured and Underinsured Motorist coverage you are making sure you have enough funds available to compensate you for the injuries that were caused by someone else, someone who either has very limited coverage or didn‘t care enough to get insurance at all. In this case suing this person won’t let you collect a lot from him.
Both types of coverage pay you first and then go after the other party’s assets. So, you do not have to worry about the money or hassle of chasing the other driver, who may or may not even have the money for payments.
By the way, if you are injured by another person, you can get money for medical bills and lost wages from other policies you own, but Uninsured and Underinsured Motorist coverage is the only one that will compensate for the pain and suffering.
It is also wise to buy both types of coverage limits in equal amounts and equal to the liability limits you own ( you worth just as much as a stranger, whom you may injure!).
