In 2010, the Insurance Research Council (IRC) reported that 1 in 6 drivers was likely uninsured nationally, and approaches 1 in 3 in some states. It noted a remarkable correlation between unemployment and being uninsured. It also highlights the uninsured motorist, the underinsured motorist and the fact that the exposure extends to hit and run pedestrian and/or bicycle accidents. This is a coverage where a few premium dollars can change someone's life after an accident.
With the average American spending about 1 hour per day commuting, the exposure is very real. While many states require minimum uninsured motorist coverage of typically $10-25,000 per person and $30-$50,000 per accident bodily injury and $10-$25,000 property damage, coverage over and beyond this is available (up to limits on liability on policy). An additional $1 million of uninsured motorist coverage can be added to your personal umbrella policy.
To make sure you are protected well in Texas, contact Shelly Guibert, Ben Goodwyn Agency 972.618.0100 shelly@bengoodwynagency.com
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