My Husband was rear ended in a car accident this week. At the scene, the at-fault driver presented an insurance card showing coverage through May. We thought everything would work out fine.
As the week progressed, however, our insurance agent updated us on the truth behind the other driver. As it turns out, he was arrested after we left the scene. He had a warrant out for his arrest regarding a previous hit and run, he was driving on a suspended license, and the car wasn’t his. The car belonged to his girlfriend, who had let the insurance lapse. We had been hit by an uninsured motorist. Our car was totaled and my Husband was accruing medical bills. For a few anxious moments, we thought we were looking at huge out of pocket expenses with little chance for reimbursement, given the character of the other driver and the fact that he was currently in jail.
Thankfully, we pay an extra $11.10 every 6 months as part of our insurance premium for uninsured motorist coverage. By opting into this additional coverage, we saved ourselves from the stress and impossibility of suing the other driver personally to be reimbursed for our damages. Instead, our insurance will write us a check for our totaled car and pay our medical bills, and they will be the ones suing the other driver, not us.
All for an extra $23 a year.
Submitted March 15, 2018 at 02:01PM by Amusedfemalestandard http://ift.tt/2DwfS4X
