Protecting Yourself From Uninsured Drivers (NAPSA}—Eventhough it may be against the law, more drivers than you realize have no auto insurance. The Insurance Research Council reports that about one in seven atfault driversin a collision with another vehicle will be uninsured. According to Steve Cox, vice president of the Council of Better Business Bureaus, what happens to the insured victim after this type of accident can be upsetting and expensive. Instead of the atfault driver’s auto insurance policy covering the costs of the victim’s vehicle repairs and replacement rental car, it ends up being the victim’s responsibility to pay for everything. Since uninsured motorist coverage is not obligatory in every state, it can be the insured driv- er’s own responsibility to make sure to include this coverage on his or her auto insurancepolicy. Underinsured drivers are another problem. These are drivers who have only the minimum staterequired limits of liability on their auto insurance, which may not necessarily provide enough coverage to adequately compensate others involvedin the accident. “Despite the fact that you are the victim if an uninsured driver slams into your car, you are obligated to pay the deductible and your auto insurance will be used to cover repairs, as well as other expenses,” said Carolyn Gorman, vice president of the Insurance Information Institute, a nonprofit education organization. 5 Uninsured motorist coverage could help save drivers money and time. For example, since the other driver’s insurance will not cover a replacement rental car, you could be stuck without transportation while your car is being repaired or you are waiting for authorization to get a new one. But, if your policy includes replacement rental car coverage, which is only a couple dollars a month, you can get a rental car right away. Since the average car is in the repair shop for two weeks after an accident, renting a car can be very expensive. Based on the average daily rate for a rental car, it can end up costing more in mostcities to rent a car for one day than fora full year of coverage. Gorman added that many drivers think they are well prepared to deal with an accident, but not many of them have ever read their insurance policy. “Taking just a few minutes once a year to read yourpolicy or talk to your insurance agent can goa long way.” More information is available at www.wiserdrivers.com.
