Protect yourself and your family against the human element with Hanover car insurance uninsured motorists coverage
There are a huge number of motorists on the road who are driving illegally where car insurance coverage requirements are concerned, and it is important to have protection for when or if you get into a collision with one of those people. Buying Hanover car insurance uninsured motorists coverage could be your saving grace in the unfortunate event you get into an accident with a driver who does not have insurance.
Do you really need this protection?
According to sources ranging from the Insurance Research Council (IRC) to the National Association of Insurance Commissioners (NAIC) depending on the state where you live, anywhere from 13 to 25 percent of all drivers on the road today are uninsured. It is possible that, if you get into an accident, your accident will occur with someone who lacks insurance coverage. If you are involved in an accident with uninsured drivers, Hanover is there to help you reclaim the costs of your property and personal injury bills. Without Hanover auto coverage against uninsured drivers all the accident expenses will be on you.
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If you have coverage, you will be taken care of financially in such an unfortunate event. This coverage will also bail you out if you suffer from a hit-and-run, even if the driver is never found and charged. Your vehicle will be repaired under your coverage plan.
It's also important to know that, besides providing an extra layer of protection, uninsured motorists coverage is required in some states in order for you to maintain a valid license to drive.
How much should I get?
Every state has a set minimum limit of liablity car insurance required of licensed drivers. For those states that require licensed drivers to carry uninsured motorists coverage, they set minimum required levels of that form of coverage too. As with your liability coverage, it is highly recommended that you purchase insurance coverage in excess of whatever your state's minimum required levels are.
If you are not required to carry uninsured motorists coverage but would like to add it as an option, the general rule of thumb is that your uninsured motorists coverage levels should be equal to your liabilty coverage levels.
To know for sure if uninsured motorists coverage is an option you need to have added to your car insurance coverage and what levels you may need this coverage to be set at, it might help to get the advice of a local, licensed car insurance agent with access to leading providers like Hanover. An agent will easily be able to answer any questions you may have and can also show you a variety of coverage packages with different levels of coverage and cost. You can compare before you buy. Let Reply! help by putting you in touch with car insurance agents near you who will be able to help you determine if Hanover uninsured motorists coverage works for your unique driving needs.