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Monday, February 2, 2015

Be Sure Your Insurance Protects You Agains The "Other Guy"!

Even though all but two states require minimum standards of liability vehicle, many motorists fail to obtain this important coverage before driving. Unfortunately, the insured driver usually ends up paying the most after an accident with one of these motorists. You might think that because your state requires auto insurance, most people have it. However, according to the Insurance Research Council, the number of uninsured drivers can reach 25 percent in some states. What can you do to protect yourself in the event you are involved in a collision with an uninsured vehicle?

If you are involved in an accident and the other driver does not have insurance, you may be entitled to recover under your own uninsured motorist coverage.  This is a provision in your insurance policy that protects you in case you are in an accident with someone who is uninsured.  Underinsured motorist coverage protects you in cases of serious accidents.  Even if the other driver has insurance, it may not be enough to reimburse you for the medical expenses you have incurred as a result of an accident.  Underinsured coverage provides another layer of protection for you when you are seriously injured.

The way it works is your insurance company pays your medical bills, and would essentially sue the uninsured/underinsured driver for the difference in costs. Some states require an uninsured motorist clause in any insurance policy sold, while others may require you to specifically ask for it to be added.

This type of car insurance coverage can also help you in the event you are victim to a hit and run collision. In most cases, the insurance company will treat the other driver as uninsured and compensate you accordingly.

In some states UM/UIM insurance is mandatory, in Mississippi it is not. Even if it is not required, this coverage can help make you financially whole following a collision with an uninsured motorist.
Knowledgeable, LOCAL, independent insurance agents at SouthGroup are always available to answer any questions you may have about uninsured/underinsured motorist coverage. We can help identify this and any other car insurance coverage options you may need. We will also locate you a variety of quotes from a number of providers, ensuring the policy you choose offers the best coverage at the most affordable rates. Contact an agent near you to find out more about this important coverage.

We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: , phone: 228-466-4498 fax:888-415-8922,  FaceBook, or Twitter !

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.

Insurance is stressful, but we make saving easy.  We help you save money on insurance!

#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

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