Many people today are driving only with “state required” insurance. These people believe they have maximum coverage or full coverage when in fact they only have the minimum coverage required. This minimum coverage may only pay property damage and cover their own personal injuries. However, if you carry uninsured motorist coverage with your insurance company then your own insurance coverage could compensate you.
In the event of an automobile accident, you should always call the police and have them fill out a report. This is important as later you may not remember all of the details of how the incident occurred. You will also want to make certain to get the name of the other person as well as their insurance information. Even if you do not feel injured at the time of the accident , you could be in pain days later.