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Why you need uninsured and underinsured motorist insurance coverage for your Reston Virginia Insurance Policy
More often than not, most people forget about one of the most important pieces of coverage for their Reston Virginia insurance policy. This is uninsured and underinsured motorist coverage, which could leave you hurting in more than one way if you don’t have it! I find this to be one of the worst mistakes any Reston Virginia insurance agent could make by not explaining this vital coverage to their clients.Most people don’t have adequate coverage, but the worst is that there’s people that don’t even have car insurance coverage at all! It’s a bit absurd, but the Commonwealth of Virginia does allow you to pay a small fee and drive without an insurance policy! For those that want a thin veil of protection to cut “costs” on insurance, Virginia allows insurance companies to sell bare minimum policies. This may sound like a sweet deal, but holding onto a few dollars every month isn’t going to save you when things hit the fan and you are left hurting financially and physically after a Reston Virginia accident!
If you choose for yourself to buy proper coverage on your Reston Virginia insurance policy, or your insurance agent insisted on high liability limits then great! However, having good coverage for your liability doesn’t protect you from the Reston Virginia residents out there with low limits or no car insurance at all!
I hate to tell you this, but if a Reston Virginia driver hits you and has weak coverage you will probably be left with the bill. However, if you made the decision to pickup uninsured and underinsured motorist coverage then you’ll be protected from one of the worst case scenarios.
Look at it this way, if the other driver who caused the accident has a bare minimum policy, their limits will be exhausted if the accident was severe enough which leaves you paying the remainder from the Reston Virginia car accident. This is where having uninsured and underinsured motorist coverage comes into play. The coverage will pick up the tab where the other person’s insurance coverage left you hanging while you potentially are racking up bills while laying on a hospital bed.
But what about the Umbrella policy you paid for? Well, this won’t be covered under that. It’s pretty unfortunate, but something that a lot of insurance agents “forget to share”.
What you need according to a local Reston Virginia insurance expert is to have $250,000 in liability coverage. This will also allow you to tack on an umbrella, which you’ll want to be at least 1 million in coverage. For adding the umbrella it may cost you as little as $10-$20 per month! This of course depends on a number of things, such as driving record, current coverage, etc.
These are the main pieces to building a solid and supported insurance policy with all of the necessary coverage components. Before you make any decision on buying insurance, take some time to meet with the top independent agents in the Reston Virginia area. This will get you started and on a path to full protection with your coverage.
For a Reston Virginia insurance agent, I recommend Nick Genest who will gladly sit down and review your current policies at no charge, with no required commitment. You can see more about Nick at http://www.nothernvirginiainsurance.com.
The best board certified Reston Virginia personal injury attorney will be able to help you if you have been in a car accident, or if you have any questions about your insurance policy as well. You can ask Ben Glass a question at Justaskbenglass.com
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