You try to do everything by the book, but not everyone does. You do your best to protect yourself and your vehicle with auto insurance, but uninsured drivers are out there every day. A 2011 study by the Insurance Research Council estimates that 1 in 7 drivers are uninsured. So chances are pretty good that you might wind up in an accident with a driver with no insurance. What happens now?
Luckily, you can protect yourself with Uninsured Motorist Coverage. This add-on policy is exactly what it sounds like: extra coverage that makes sure you aren't left holding the bill if you're injured in an accident with an uninsured driver. Expenses for injuries from car accidents can add up quickly, and without insurance, the financial hardships can be tough to overcome.
Another add-on is Underinsured Motorist Coverage. Some drivers meet the minimum state requirements for insurance, but the payouts are too small to help you in the case of serious injuries. That's where ERIE's coverage comes in, making sure that you get just compensation for your injuries—even if the other driver’s insurance isn’t sufficient to make that happen.
We're just doing our best to look out for you. If you have any questions or are interested in adding uninsured or underinsured coverage to your policy, let us know, and we'll be glad to walk you through the whole process. Stay safe out there!
Joe Griffin