Did you know that at any given day there are approximately 660,000 drivers attempting to use their phones while behind the wheel of an automobile. And nearly 390,000 injuries occur each year from accidents caused by texting while driving. In fact, texting and driving is six times more likely to cause an accident than driving drunk.
What are you doing to protect yourself against distracted drivers and the damage they could cause you and your family?
Did you know that your personal auto policy has an important coverage feature that protects you as a driver, passenger, pedestrian and cyclists on the road against distracted drivers? It is called Uninsured and Underinsured Motorists Protection.
This very important policy provision covers you if another driver hits you with their vehicle and does bodily damage to you, and they either have no insurance or inadequate limits of liability. It allows you to file an insurance claim with your own insurance company and collect proceeds from the damages incurred upwards of $500,000.
You can also purchase a rider on your personal umbrella policy that will extend the uninsured and underinsured motorist protection an additional one million dollars.
If you enjoy going for walks, or riding your bike in addition to driving your car, you are at risk of getting hit by a distracted driver.
The best time to understand the coverage you have and your available options is now. As they say, “there is no time like the present.” Contact us and one of our advisors will help you understand how best to protect your family with uninsured and underinsured motorist protection.
Douglas MacDonald, CPCU, CIC, CRM is the CEO & President of Murray & MacDonald Insurance Services, Inc. Visit www.riskadvice.com, text or call us at 800-800-8990 to learn more.