If you're worried about all the irresponsible drivers out there, Chubb car insurance uninsured motorists coverage may alleviate some of that concern
If you've purchased a new or used car, you mey be confused about the various car insurance coverage options you can get along with your state-required liability coverage. Chubb car insurance uninsured motorists coverage should be a consideration. Millions of drivers on the road lack even the most basic levels of insurance. In fact, according to the Insurance Research Council (IRC) in some states, one in four drivers is driving totally uninsured.
What it covers
C
hubb car insurance uninsured motorists coverage will compensate you for bodily injury or property damage caused by an uninsured driver. Depending on the level of coverage you have, all of your expenses can be paid when you file a claim against your uninsured motorists coverage. Traditional coverage ranges from $10,000 to $50,000. In addition, you and your passengers can be covered for lost wages, pain and suffering, emotional distress and the loss of potential earnings.
Check this off your 'to do' list and get free car insurance quotes today
Should you get this coverage option
It's important to note that if you have a generous health insurance plan, you might not need extensive uninsured motorists coverage since the majority of pay outs go to medical bills. It could be cheaper to get a smaller coverage range as well. In addition, some states require you get uninsured motorists coverage. Check up on your local auto insurance laws regarding this coverage. When you do look into what your state requires, you may also find that your state has set specific limits it requires insurers to offer when it comes to uninsured motorists coverage.
Ask about discounts
Getting Chubb car insurance with uninsured motorists coverage is relatively inexpensive when you consider the potential financial ruin you could experience if you're unlucky enough to get into a collision with someone lacking insurance. In fact, getting insurance can be cheaper if you take advantage of the several discounts Chubb offers its customers. If you're a college student or if your car has an alarm system, you can save on a standard policy and additional coverage on your automobile. Depending on the state where you live and drive, and depending on the extent of your coverage options, there are a host of other discounts you may be eligible for. Be sure to ask your Chubb representative about all the available disounts in your area.
Whether it's required or whether you feel it's a smart addition, determining how much uninsured motorists coverage to place on your policy is something that a local, licensed car insurance agent can help you with. An agent will be able to help you understand all your coverage options, find all the discounts you're eligible for, and can even show you sample policies before you buy, Reply! can be of some assistance in the process as we can put you in touch with local car insurance experts who can help you determine if Chubb car insurance uninsured motorists coverage is an option you should be adding to your policy.