According to the Insurance Research Council, one in seven American motorists doesn’t have car insurance - and they are putting the rest of us at risk.  If you get into a collision with an uninsured motorist, you might have a huge damage bill on your hands. This is where uninsured or underinsured motorist coverage comes in. It’s a voluntary policy, but a recommended inclusion for your Woodland Hills insurance policy.

You should not underestimate the importance of this type of coverage. You certainly will realize it’s value if you are involved in an accident with an uninsured motorist and you have to pay for the damage to your car or the medical expenses for your injuries.

Uninsured driver coverage is designed to pay for damage and injuries you suffer if you do have a crash with an uninsured driver, but you must prove that the other driver was in fact uninsured and that the crash was his or her fault. 

Call the police immediately after the accident and get a copy of the accident report. If you can, get details of all parties involved in the accident and the witness contact details. 

But if you get struck by a hit-and-run driver, you obviously cannot get the perpetrator’s details. That’s when you need to prove it was in fact a hit-and-run. Again, this will involve getting a police report and eye-witness accounts.

The bottom line is that uninsured and underinsured motorist coverage can save you thousands of dollars, so if you don’t have it on your auto insurance, Woodland Hills, think about adding it.