Reader’s Question:

Help! I hail from Dallas Texas, and I think I just got the short end of the stick from an accident. Oh, my God, my car got hit by and uninsured motorist. Although there was no serious injury or damages incurred, I’m still concerned. Is there some way for me to be protected from incidents like these in the future?

Belle

Dallas, TX

Hello, Belle! I can understand how you feel right now. It is disappointing how some motorists can be so irresponsible. I don’t know how many are out there in Dallas Texas. I am glad that there was no major damage to both you and your vehicle. Anyway, there are some measures that you can take to ensure that you are safe and protected by your automotive insurance company.

I do suggest that you take a few minutes off your busy schedule and check what you have on your insurance policy. If you are covered comprehensively, then you won’t have any trouble. But the thing is, most of the time, a great number of us regular folk don’t really drive vehicles that merit us to go with comprehensive coverage. With comprehensive coverage, as the name suggests, you get protection from acts of God, and to an extent, even automobile replacement. Other than comprehensive coverage, to add to what your state tells you to get i.e. liability coverage, you can check out Underinsured or Uninsured Motorist coverage as a substitute. This type of coverage includes bodily injuries to you, your passengers and even your authorized driver from a hit-and-run and the uninsured motorists. Have a safe drive there, Belle.

Tags: auto insurance, car insurance