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Auto insurance protection against scofflaw driversPosted On Tue, October 20, 2009
Many responsible drivers make sure to have auto insurance so that they are prepared if they get into an accident.
In fact, every state except New Hampshire has some sort of law requiring auto insurance. However, not everyone is going to follow the law when it comes to being covered while driving. The Insurance Information Institute (III) noted recently that about one in every seven drivers does not have proper auto insurance.
"Most people don't think about the uninsured or underinsured motorist coverage portion of their auto insurance policy until they are the victim of a hit and run accident, or are involved in a crash with a driver who either does not have auto insurance or has very minimal insurance," Jeanne Salvatore, senior vice president and consumer spokeswoman for the III, said.
According to the III, 20 states and Washington D.C. require that drivers have auto insurance that protects them against uninsured motorists. Having coverage against uninsured motorists will protect people against losses from a collision with an uninsured or hit-and-run driver.
Consumers may also consider underinsured motorists insurance, which will cover them in case the person they get into an accident with cannot cover losses through their insurance.
A recent poll from the Allstate Insurance Company many people are not aware of what their auto insurance policies actually cover. For example, 64 percent of respondents thought that personal items taken from a car would be covered by auto insurance, when in fact that protection comes from home insurance.
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