1. “Uninsured motorist and/or underinsured motorist coverage will make my car insurance too expensive.”

Yes, you will save money by not purchasing these coverages. But, only until you find that you need it. (See the Blog – Reasons You Need Uninsured Motorists)

Auto Insurance

Auto Insurance

2. “I have health insurance, so I don’t need uninsured or underinsured motorist coverage.”

Great – it’s important to have health insurance. But, will it pay for lost wages and long-term care stemming from an auto accident? Likely not.

3. “I don’t want to be over-insured. I’ll just purchase the minimum car insurance my state requires.”

When you follow state requirements for purchasing car insurance, you typically end up only buying coverage to pay for other people’s relatively minor injuries and car repairs, not your own. So, in many instances, only buying the minimum can leave you badly underinsured.

4. “If the other driver is at-fault, I can rely on his/her insurance carrier to cover my costs.”

Ideally, yes. Unless you live in a no-fault state or you’re involved in one of the four scenarios outlined in “Reasons You Need Uninsured Motorists” coverage. Then you may only have your insurance to rely on. That’s why it’s important to make sure it’s enough.

We are no more than a phone call or email away! We look forward to providing you with exceptional service.

Phone: (401) 421-0100 Fax: (401) 421-2376
Email: service@burnscotter.com