Is Uninsured Motorist Insurance Important in Spokane WA?

In Spokane, the number of uninsured motorists has surged recently as a result of the economic slump. This rise has an effect on every motorist on the road.

If you are struck by an uninsured driver, you must make a claim with your auto insurance provider. The claim will be made under your uninsured motorist or collision coverage, assuming you have at least one of these policies. If you lack either, you will be responsible for your own auto repairs and medical expenses (or at least your deductible if you have health insurance). You can seek reimbursement directly from the at-fault driver, but good luck with that.

If you haven't evaluated your insurance in the last few years, speak with your agent to verify you're adequately insured in the event of an accident. Perhaps it is even time to enhance your coverages so that your uninsured motorist coverage will cover medical expenses and lost wages for you or your passengers.

Assume you're traveling to the store in Spokane, Washington, and someone runs a stoplight and smashes your car out of nowhere.

Then you discover they lack insurance, or worse, they flee, never to be seen again.

Who is responsible for the repair of your vehicle? And if the accident is significant enough to injure you or your passengers, who pays for medical expenses and missed wages?

That is why it is critical to supplement your auto insurance policy with under-insured motorist coverage.

You've already spent so much money on auto insurance; why not pay a little more to ensure that you and your passengers are protected in Spokane WA?