Driving in Crystal Lake, IL, can be an enjoyable experience, whether you’re exploring the city, commuting to work, or heading out on an adventure. However, accidents can happen unexpectedly, and the situation becomes even more complicated if the other driver admits they don’t have insurance. What should you do in this scenario?
At August Vincent Insurance Agency, our goal is to ensure you’re protected and have nothing to worry about.
Driving Without Insurance
Driving without insurance is illegal, and the police will handle uninsured drivers with fines or even imprisonment. However, this doesn’t help you file a claim with their insurance company, because they don’t have one.
This is why you can’t rely on others to provide coverage in every situation. It’s essential to have a policy that protects you, regardless of the circumstances.
Why Uninsured Motorist Coverage is Needed
When purchasing auto insurance in Crystal Lake, IL, you must meet the state’s minimum liability coverage requirements. However, going beyond the minimum is highly recommended.
Uninsured motorist coverage is an optional but valuable addition to your policy. It protects you in the unfortunate event that the other driver doesn’t have insurance. With this coverage, you can file a claim with your own insurance company to cover damages the uninsured driver would have been responsible for, including property damage and personal injuries.
While you can choose to pursue the uninsured driver for out-of-pocket expenses later, having the right insurance coverage ensures you’re protected in the moment.
Get the Coverage You Need
Every time you get behind the wheel, you must be prepared for the unexpected. At August Vincent Insurance Agency, our agents can help you build a policy that covers all scenarios, including accidents involving uninsured drivers.
Contact us today to find out what kind of policy is right for you.
