PHOENIX, March 18, 2016 /PRNewswire/ -- Hastings & Hastings notes, opting for the minimum required liability insurance could leave drivers vulnerable in worst cases scenarios. Insurance exists to protect individuals when worse comes to worse. Almost nothing can be more devastating than suffering an accident, and discovering that an insurance provider fails to cover the medical damages, lost wages, and pain and suffering resulting from the accident because the other driver was uninsured or because the victim opted for minimal coverage. Indeed, the emotional turmoil alone from such an event could be unbearable.
"Collision insurance really only covers one thing: the car. Even though it seems unfair that one must foot the bill for another's carelessness, uninsured motorist insurance and under-insured driver insurance are highly recommended," said David Hastings, founder of Hastings and Hastings
Uninsured motorist coverage will protect an individual should they be struck by a driver that does not carry insurance. Unfortunately, according to statistics, 14 percent of drivers operate a vehicle without holding insurance. This puts everyone else on the road at risk. For this reason, it may be beneficial to opt for more than the minimum coverage.
Hastings & Hastings advises carefully considering all insurance options. Every individual's situation is unique and specific to them. Carefully constructing a budget can allow individuals to project monthly expenditures and account for the cost of higher than minimum coverage.
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SOURCE Hastings & Hastings