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Why You Should Purchase Uninsured Motorist Coverage

Uninsured motorist coverage is an important part of your car insurance policy that provides protection for policyholders in the event of an accident with a driver who does not have car insurance. This type of coverage is important for the following reasons:

  1. Uninsured drivers are a common problem on the roads especially in Colorado. Despite laws requiring drivers to have car insurance, many drivers do not have coverage, either because they cannot afford it or because they choose to drive without it. As a result, accidents with uninsured drivers are a common occurrence. In Colorado more than 16% of drivers on the road are driving WITHOUT INSURANCE.

  2. In the event of an accident with an uninsured driver, the damages and injuries sustained can be significant. Without insurance, the driver will not be able to pay for the damages or injuries they cause, leaving the victim to cover the costs on their own. This can be financially devastating, especially if the victim has serious injuries or extensive property damage.

  3. Uninsured motorist coverage can provide peace of mind and financial protection. With this type of coverage, policyholders can rest assured that they will be protected in the event of an accident with an uninsured driver. The coverage will pay for damages and injuries sustained in the accident, so policyholders do not have to worry about facing financial hardship.

In conclusion, uninsured motorist coverage is a crucial type of car insurance that provides protection for policyholders in the event of an accident with an uninsured driver. It is important for drivers to consider this type of coverage as a way to safeguard themselves against the risks posed by uninsured drivers on the roads.

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