Why Uninsured Motorist Coverage is Essential for Every Driver
The Day Everything Changed for James: Why Uninsured Motorist Coverage Matters
James had always been the kind of driver you’d want on the road—cautious, alert, and responsible. He followed speed limits, used his turn signals, and always made sure his auto insurance policy was up to date. But on one unfortunate morning, none of that mattered. He was driving home from work when, out of nowhere, another vehicle ran a red light and slammed into the rear side of his car.
The impact sent James's skidding across the intersection. Dazed but conscious, he looked up just in time to see the other driver speeding off—no license plate, no apology, just the sound of screeching tires fading into the distance. James was left in shock.
His car was damaged, his body ached from the collision, and the driver who hit him was nowhere to be found. The police arrived, took his statement, and confirmed his worst fear: this was a hit-and-run, and without any details about the other driver, he had no way to file a claim against them. The Right Auto Insurance Can Make All the Difference Fortunately for James, he had chosen to work with OnePoint Insurance Agency, where we believe in preparing our clients for the unexpected.
When James called us, worried about how he would cover the damages and medical expenses, we reassured him that he had the right protection in place. Thanks to his Uninsured Motorist (UM) and Underinsured Motorist (UIM) Coverage, his car insurance policy stepped in to cover his expenses—just as if the responsible driver had proper insurance. His medical bills, car repairs, and even lost wages were taken care of, preventing a financial disaster on top of the emotional stress.
Many drivers think, “I have auto insurance, so I’m covered no matter what.” But what if the driver who hits you has no insurance—or worse, leaves the scene? That’s exactly why UM and UIM coverage are so crucial.
What is Uninsured & Underinsured Motorist Coverage?
Uninsured Motorist (UM) Coverage: Protects you when an at-fault driver has no insurance or in cases of hit-and-run accidents, like James experienced. Without this coverage, you’d have to pay for your medical expenses and car repairs out of pocket.
Underinsured Motorist (UIM) Coverage: Helps cover costs when the at-fault driver’s insurance policy limits are not enough to cover your damages. For instance, if someone with only state-minimum coverage hits you, their policy may not be enough to pay for your medical treatment or vehicle repair.
Why You Should Update Your Auto Insurance Policy Today
James learned firsthand how unpredictable the road can be, but because he had the right auto insurance coverage, he avoided a major financial burden.
At OnePoint Insurance Agency, we want to ensure all our clients have the best car insurance protection before disaster strikes.
If you’re unsure whether you have UM and UIM coverage, or if your policy limits are enough, now is the time to review your options.
Get a Free Auto Insurance Quote Today
Don’t wait until it’s too late! Contact OnePoint Insurance Agency today for a free auto insurance consultation and let’s make sure you’re fully covered, no matter who’s on the road.📞 Call us at 770-884-8117 or visit our website to get a fast, free quote on car insurance. Because when it comes to protecting yourself and your loved ones, having the right car insurance policy isn’t just an option—it’s a necessity.
