PHOENIX, Aug. 18, 2015 /PRNewswire/ -- In order to legally operate a motor vehicle, at the very least, liability insurance is required. Driving without insurance is against the law, and one could serve time in jail for violating the regulation. But it is always wise to at least opt for uninsured or underinsured driving insurance when choosing an insurance plan.
"The problem with collision insurance is that it really only protects against one thing, collisions. It's the other drivers you need to protect against, not yourself," said David Hastings, founder of Hastings & Hastings, Arizona's discount accident attorneys.
Most people would never opt for minimum health coverage, but it seems that many are comfortable doing the same with their driver's insurance. Yes, it is an unfortunate fact of the insurance industry and the laws of civil society that one must essentially pay to protect against citizens who operate their vehicle uninsured. But, in the event that collision occurs with an uninsured driver, coverage from such a driver will mitigate the emotional and financial turmoil associated with such an accident.
Under-insured coverage serves a similar function. Some drivers will opt for ridiculously low coverage plans that will hardly compensate the other victim without litigation. In such an event, under-insured coverage will take care of your expenses when another driver's insurance company will not foot the bill.
No doubt insurance is all about finding balance. Always weigh out your options and tailor your plan to your unique needs as an automobile operator.
About Hastings & Hastings
Hastings & Hastings is an Arizona consumer law firm. We are an experienced trial law firm that represents personal injury and wrongful death victims at a Discount Fee.
SOURCE Hastings & Hastings