Do you need uninsured/underinsured motorist coverage?

Is there anything worse than being injured in an auto accident caused by someone else's negligence, resulting in a mountain of medical bills, vehicle repair expenses, and time away from work? What if the at-fault driver does have any or enough insurance to cover these costs? Although it seems like an extreme and unlikely scenario, it's much more common than you think. Many drivers continue to settle for too little insurance or try to cheat the system by failing to secure any sort of coverage. Many people reject uninsured and underinsured motorists coverage when they're buying auto insurance. However, this coverage can be incredibly valuable to many on the road. Your uninsured/underinsured motorist coverage would kick in if the person responsible for your injuries and damages wasn't carrying any liability insurance coverage or no car insurance at all at the time of the accident. If the person that caused the accident is uninsured and cannot pay for your medical bills, property loss, and lost wages, your uninsured/underinsured motorist insurance coverage would step in to help. You decide to decline this coverage, then you will be on the hook for covering your own expenses. The only other thing you could do is take the person to court but the odds are, if they don't have insurance, they won't have thousands sitting in their account to pay for your damages. If you're lucky, they'll have assets that can be seized to pay for the judgment or their wages can be garnished. However, this is a very long and exhausting process. Having the right coverage in place can help to protect yourself in this situation. For the right car insurance for your needs, contact the experts at Bell Black Insurance.  We serve all insurance needs for those in Idaho Falls, Island Park, Driggs, Victor, Swan Valley, Ashton, and the neighboring communities in Idaho, as well as Jackson and Star Valley in Wyoming.