Reader question:

How can I cover myself for the possibility of being the victim of an uninsured driver in an accident?

Melinda

Good quesion.

In order to do this, you will need to buy uninsured/underinsured motorist coverage for your car insurance policy. This will cover you if you get into an accident with someone who does not have any or does not have enough car insurance coverage. Quite a few states actually include this type of coverage in their minimum coverage requirement, so you have to have it anyway.

Most of the time, the coverage that comes included here is for injury liability. However, depending on where you are you might also be able to get property damage coverage for your uninsured coverage part of your policy. If you do not have this type of coverage and you are involved in a crash with an uninsured driver, then your collision will have to pay for the damages, or you will have to go after the person with a lawsuit.

Cheers,

Fashun Guadarrama.