PHOENIX, Aug. 8, 2015 /PRNewswire/ -- Car insurance falls very much in line with Aristotle's mean state, i.e. the perfect course of action involves a balance between excess and deficiency. In other words, you don't want to pay too much for unnecessary coverage, but you also want to avoid paying too little thus leading to a devastating bill in the event an accident occurs. At the very least, you ought to have liability insurance (it's illegal to drive without it), but most would recommend more coverage than that.
"Liability insurance and property damage insurance covers only the other driver and their car. Opting for more than minimum coverage is highly recommended to protect you from the other driver," said David Hastings, founder of Hastings & Hastings, Arizona's lauded discount accident attorneys.
Usually, uninsured driver insurance is a necessity. It's a sad fact of life that 14% of drivers are uninsured. Responsible drivers are basically forced to cover their portion of the bill by paying for uninsured driver insurance. This is because if one were to experience a crash with an uninsured driver, and one did not have uninsured driver insurance, the damages would be almost impossible to recover. Accidents are an emotional whirlwind, and being forced to foot the bill is a classic case of adding insult to injury. This potentially traumatic event could be avoided by simply having sufficient uninsured driver insurance.
If you pay for uninsured driver insurance, or underinsured driver insurance, your insurance provider will take care of the damages caused by the uninsured driver. It will be a comfort to have your medical bills, pain and suffering, and lost wages taken care of by your insurance provider.
Underinsured driver coverage will help if the at fault driver had insurance, but not enough of it to fully compensate you for your injuries. With the rising costs of medical care, it is recommended that drivers protect themselves by purchasing both of these additional coverages on their automobile insurance policies. Most people would never skimp on medical coverage, and they ought to apply that same principle to car insurance. Always be mindful that every time you operate a vehicle on a public road you are putting your life, and everyone else's life in jeopardy. Remaining vigilant on the road is your first line of defense, your insurance company is your second.
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