Missouri requires everyone to carry car insurance, so why would someone need uninsured motorist insurance in Lake Ozark? It’s a good question and one we’re asked about a lot.
No one wants to have insurance above and beyond what’s needed, and on the surface, this type of coverage can feel superfluous. However, as you peel back the layers, it becomes clear why this coverage is one we consistently recommend at McGrath Insurance Group.
You Can’t Rely on Other Motorists to be Insured in Lake Ozark
The state does not have the resources to monitor everyone’s insurance coverage regularly. That means whatever happens after a driver’s vehicle is registered isn’t monitored. More drivers than you might expect will wait a few days after receiving their tags to then cancel their insurance.
There’s a natural assumption that every vehicle is registered and licensed. More often than you might think, motorists will drive a car that’s not licensed at all. Without a license, no one is checking to verify coverage. Regardless of whether the other driver is at fault or not, if you’re hit by one of these vehicles, you will be on the hook to pay for your injuries.
Uninsured Motorist Insurance in Lake Ozark Is All About You
While it might seem counterintuitive, the uninsured motorist insurance coverage in Lake Ozark isn’t there to cover any collisions caused by you or another driver. This type of coverage covers your personal injuries caused by another driver who doesn’t have the coverage to pay for the medical expenses you incur.
For example, if you’re driving down Highway 54 and another driver hits you but does not have insurance, you’ll be required to pay for two main things — the damage to your vehicle and care to treat your bodily injuries. Your auto insurance will kick in to cover the cost of repairs to your vehicle, minus your deductible. However, you’ll need additional coverage to pay for the cost of your medical expenses to get treatment for your other injuries.
Getting Uninsured Motorist Insurance in Lake Ozark is Important
Uninsured motorist insurance isn’t expensive to carry. It’s worth it to add this coverage to your policy, so you’re never left to pay financially for the injuries caused by another uninsured driver. We can make this process easy and fast for you. Call us or request a quote today to see how affordable this coverage is and get started adding it to your policy now.
