Car accidents are never fun, in fact, they can be a huge headache. Just imagine... you’re on your way to the lake, the park, out to eat, or perhaps somewhere like work or home, and all of a sudden BAM! Either because of your own fault or someone else’s, your day just got interrupted.
It’s safe to say that the situation is more frustrating when the accident is the fault of the other driver. Because, of course, you were doing what you were supposed to be doing and since someone else wasn’t you are now being inconvenienced. But, you try to stay positive. This is what you have insurance for, right? As you start to calm yourself down, you hear the other driver say, “I don’t have insurance.”
Yes, something that once was considering driving no-no is now becoming more and more common. With the rate of unemployment and the troubled economy more people are driving uninsured. A recent study concluded that each time the unemployment rate goes up 1 percent, the number of uninsured motorists also increases by an estimated 1 percent. In Tennessee, it is estimated that 1 in 5 drivers are uninsured or underinsured!
So if you ever looked at your policy and thought — “Uninsured motorist coverage? Why would I need that, insurance is required and I don't want to be responsible for someone else? What a waste of money!” Hopefully you now see the light. Clearly, there are ways of getting around the required proof of insurance protocol. And the Uninsured Motorist coverage is what can help you sleep at night when there are so many irresponsible people out there!
An important thing to know about underinsured is that the other driver does carry insurance; they are just carrying less insurance that you have. For example, they might be carrying the state minimums of 25,000/50,000, so by you carrying higher limits of Uninsured Motorist, you are better protected from the difference!
CL Butcher Insurance Agency has two dedicated agents who can answer all of your insurance questions and concerns. Not only that, we’re the best at saving you money! Our agents will shop your policy through a supermarket of insurance carriers in order to find you the best coverage for the best price.
For questions or a quote stop by our office, visit our website, or give us a call at (865) 689-5482