I have written about uninsured motorist coverage so often and so few people have listened to it, that I am going to do it again. This time, with an offer!
Why do you need uninsured motorist coverage? Despite what the government says, there are an awful lot of uninsured motorists on our streets. At any given time, up to half of all drivers may be uninsured. If they hit you, who is going to pay for the damage to your car, your medical bills, wage loss, and pain and suffering? (Yes, you may have collision coverage, but you will still be out of pocket your deductible.)
Add to this the number of drivers who are woefully underinsured, and you have between half and three quarters of drivers who can cause a serious car crash and not have enough insurance, or any insurance, to pay for your damages.
The solution: uninsured motorist coverage. In California, uninsured motorist coverage is THE most important coverage. It doubles as underinsured motorist coverage. So, its two for the price of one.
Why is this the most important coverage? It is the coverage that pays you for your injuries if someone else causes a car accident. This is what will protect YOU if someone else injures you and does not have insurance, or does not have enough insurance.
So what is this free offer? If you email me at email@example.com I will review your insurance policy for you for FREE. I will tell you if I think that you have enough coverage, what coverages you may want to change, and make specific recommendations to you.
By the way, I have a challenge in my FREE book, Consumer's Guide to Buying Car Insurance in California. The challenge is simple: if any insurance agent or broker can prove to me that uninsured motorist is not the most important coverage, I will buy them lunch. So far, no one has taken me up on the offer.