We love a healthy goal and the new year is always a great time to make a change, but make sure you're taken care of and covered while out getting your exercise! Let's explore Uninsured Motorist Coverage and how it can help you stay safe as a Runner!
What is Uninsured Motorist Coverage?
Uninsured motorist (UM) coverage is a type of insurance that protects you if you are involved in an accident with a driver who does not have insurance or has inadequate insurance coverage. Essentially your own insurance would go on top of theirs to make sure your bills are covered.
While it may not be the first type of coverage that comes to mind for a Runner, having uninsured motorist coverage can provide an additional layer of protection and it can be relevant in certain situations like...
1- A Hit-And-Run
If you're out for a run and are involved in a hit-and-run accident where the responsible driver flees the scene, uninsured motorist coverage can provide protection. Since the at-fault driver is unidentified, you wouldn't be able to use their insurance, so UM coverage can help cover medical expenses and other damages.
2- Limited Health Insurance
We all need health insurance and we hope you have it, but even with health insurance you may not have coverage for all the expenses related to an accident. Humans are no match for a vehicle and with a major accident comes medical bills that can be astronomical! Uninsured motorist coverage can step in to help with medical bills, lost wages, and other costs that health insurance may not fully address.
3- Uninsured Drivers
Even if the driver who hit you has insurance, their coverage might be insufficient to cover all your expenses. In such cases, underinsured motorist coverage (which is often included with uninsured motorist coverage) can help fill the gap between the at-fault driver's insurance limits and your actual costs.
So how do you get started? Call us today or visit our website for a customized quote.
Runners are particularly vulnerable as pedestrians. If a runner is hit by a vehicle while crossing the street or running along the road, uninsured motorist coverage can provide invaluable financial protection if the driver is uninsured or underinsured. Adding UM to your coverage is likely far less expensive than you think!
At Kastner Insurance Group, we are always looking out for you. We want members of our community to be healthy and active, so we are always thinking of ways to offer savings and safety tips!
Give our team the opportunity to shop around for you because, as always, quotes are free and knowledge is power!
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