When insured drivers get on the road, it’s normal to think others will also have car insurance in place—but there are drivers who risk operating their vehicles without coverage. Should they cause an accident with another driver, there won’t be any payout on their end for repairs or replacement costs. This is when uninsured/underinsured motorist coverage can fill in the gaps. In addition to providing free car insurance quotes, BestRate Auto Insurance in Statesboro and Vidalia, GA, offers this important protection policy. Here, the agency shares several reasons why it pays to secure coverage.

Benefits of Uninsured/Underinsured Motorist Car Insurance

Pays for At-Fault Driver Accidents

When car accidents occur, the drivers’ respective car insurance companies will generally pay for the repair and replacement costs. If the at-fault driver doesn’t have coverage, uninsured/underinsured motorist liability insurance will cover the difference for the insured driver. 

Covers Medical Expenses

If the accident causes injuries, uninsured/underinsured motorist car insurance can also pay for the medical expenses. The coverage applies to the injured driver, drivers named on their policy, and any passengers. Depending on the policy, most carriers will also pay for claims involving hit-and-run accidents. To ensure optimum rates and features, an independent agent can compare car insurance quotes to get you the best deal.

Pays for Lost Wages

It’s common for drivers injured in an accident to need recovery time. Their doctor may deem their injuries too severe to return to work right away. Uninsured/underinsured car insurance will pay for any wages lost during the recovery time—the maximum amount depends on the policy’s threshold. A thorough comparison of car insurance quotes will help determine which type of coverage includes lost wage compensation.

BestRate Auto Insurance is your trusted source for securing uninsured/underinsured motorist coverage. The bilingual independent agency works with the nation’s leading car insurance providers, including Mercury, Progressive, and Travelers. For free, no-obligation car insurance quotes, call (912) 489-5942 in Statesboro or (912) 403-3250 in Vidalia. Their agents will gladly assist those who aren’t able to get coverage elsewhere due to bad credit, poor driving records, or international driver’s licenses. Visit their website for information on policy options, including motorcycle insurance.