Delaware drivers should have car insurance. Not all do, though.
When you get uninsured/underinsured motorist coverage, you get extra protection. For example, you might suffer serious injuries in a car accident. This coverage provides protection in situations where the at-fault driver either lacks insurance or carries insufficient coverage to fully compensate you.
Protection against uninsured drivers
Unfortunately, there are instances where drivers do not carry any insurance. This leaves victims vulnerable to bearing the financial burden of medical expenses and vehicle repairs on their own.
Of course, you may be able to get compensation from an uninsured driver such as through their assets or a third party if the accident occurred during employment. However, uninsured/underinsured coverage gives you more options.
Compensation for underinsured drivers
Even if the at-fault driver has insurance, their policy limits may be insufficient to cover the full extent of the damages. Underinsured motorist coverage steps in to fill this gap. This can be important in cases of serious injuries where medical bills and other expenses quickly accumulate.
Medical expenses coverage
Medical expenses can be substantial. Uninsured/underinsured motorist coverage can help alleviate the financial strain by covering medical bills, rehabilitation costs and other necessary treatments resulting from the accident.
Lost wages reimbursement
After a severe injury, you may be unable to work for an extended period. Underinsured motorist coverage can provide reimbursement for lost income.
Knowing that you have uninsured/underinsured motorist coverage can offer peace of mind. You can feel more secure with a safety net in case of an accident with an uninsured or underinsured driver.