Whether big or small, car accidents can be a serious hassle. Between filing claims, locating an auto technician, renting a replacement care and becoming necessary medical care, it could be days or weeks until your life is back to normal. Accidents can also be quite expensive if you don’t have the right insurance coverage. So, what happens when you get into an accident with an at-fault driver who either doesn't own insurance or doesn't have enough insurance to pay for your expenses?
The law requires that every driver on the road purchase auto liability insurance, which provides coverage for the expenses associated with bodily injury and property damage for other drivers who are involved in an accident caused by the insurance policy holder. This means that if you cause an accident, you’re responsible for the expenses that come up as a result. However, some motorists let their coverage lapse or just disregard the law, particularly in a bad economy. In fact, at any given time, roughly one out of seven motorists (or 14 percent) are on the road without an insurance policy. 
If the uninsured or underinsured driver causes any sort of accident that you’re involved with, you don’t need to settle with paying your personal expenses. Many people in cases like this decide to sue the uninsured driver. But, many uninsured motorists don’t have abundant assets and you might not be able to recover damages. Plus, you’ll have to pay for an attorney.
Add uninsured/underinsured driver coverage to your auto insurance policy instead. This coverage, pays the difference between your incurred expenses and what the uninsured driver is able to pay for. Depending on the details of your policy, this coverage can also extent to your family, passengers and people who you give permission to drive your vehicle. Consult your independent agent for more details about uninsured/underinsured driver coverage today!
Protect yourself and others from road hazards. Call Cornerstone Insurance Services for more information on auto insurance.