Kim Roach: I am a college student and looking for the best car insurance rates? Is it okay if I do not opt for certain coverages like uninsured driver auto insurance? What happens when you get into an accident with a driver who has no auto insurance coverage? Will I get this benefit even if I do not have uninsured drivers coverage?
Response :As a college studnet I understand the need to having very cheap auto insurance rates and still wanting the best auto insurance coverages. Let me inform you that presently in the USA one driver out of every six driver is uninsured. Hence presently, this is one of the compelling reasons why you need to have auto insurance coverage and besides this you need an uninsured driver or underinsured drivers coverage. The main reason for insurance is to help you not getting into financial problems. If you do not have the best car insurance coverages than the very purpose of auto insurance would be defeated when something unwanted happens.
The underinsured or uninsured drivers car insurance coverage is not mandatory in all states of the USA. It is a coverage which is priced very low and hence it is safer to have it than not have it at this juncture when there is a large amount of people who are driving the highways and by ways of USA without insurance. .
Here are a scenario about what happens when an insured driver collides with an uninsured or underinsured driver:
• Uninsured driver – If your car collides with an uninsured driver and he or she is at fault, than your uninsured drivers coverage will pay for the repairs of your car and also any injury that you or any passengers in your car sustain. The only part is that your insurance company should conclude that you were not at fault. This is not so much of a problem since the traffic rules and deciding who is at fault is already laid down as per the traffic guidelines and the insurance regulations which the insurance companies have to abide to. You will need to get as much information from the driver and relay it to your insurance company. Depending on who is at fault and what was damaged, your insurance company will reimburse the damage to your car but probably at the expense of your premiums. The main thing to focus here is that this would not be considered a claim under your policy for underwriting purpose and so your insurance premium will not shoot up in the subsequent year. You will want to consider a lawsuit against the uninsured driver in this case or if your insurance company agrees they would pay you and you will subrogate the rights against the uninsured driver to them. In the question of underinsured driver it is the same case as above. What you need to consider is that you would be a winner in either situation if an accident happens.
Yes, this is given at the best car insurance rates since the premium for this is not high – it is purely based on the insurance industry claim data for such incidents, which is very low.
For getting cheap auto insurance quotes and best car insurance rates, please refer to my earlier post on the same on this blog. It would be a pleasure to answer any further questions you have once you have dig into and read my posts.

Thanks.
Kamlesh

Rese (Irving- Texas): If you are a pedestrian and are struck by an uninsured car how can I get a compensation or if I want immediate treatment what should I do? I am a teenager and have insurance but I prefer walking.

Response: An excellent question. Now the fist option you should go for is to ask the car driver to pay the money out of his pocket. I do also understand that if the driver cannot afford to be insured he would not be able to afford your medical treatment cost also. Let me tell you that if under your teen auto insurance policy which has coverage for uninsured motorist or uninsured driver, than you can claim under your own auto insurance policy for the treatment and injury and your insurance company will pay you. It is highly recommended that teen auto insurance should defintely have the coverage of uninsured motorist.

Here is the latest news of your town which appeared on the P/R web news just today the 29th October 2009.

On average, the number of Texans hit by cars spikes 23.3% during Halloween week, according to Allstate Insurance Company. The insurer recently looked at its Texas auto insurance claims involving pedestrians over the past five years and found a dramatic jump in accidents around trick-or-treat time. Last year, Allstate says its number of claims involving pedestrians more than doubled over Halloween week compared with the rest of 2008.

The Allstate data coincides with a report from the Insurance Institute for Highway Safety that found October 31 is the second highest pedestrian death day of the year behind Fourth of July.

“Because this Halloween falls on a weekend, there may be even more kids and cars on the road later at night, potentially creating an even more dangerous situation,” said Brent Walters, an Allstate agent in Beaumont. “Whether you’re behind the wheel or walking with your kids, it’s critical to remain alert.”

Allstate says on average, it receives 13.2 bodily injury claims involving pedestrians or bicyclists in Texas during Halloween week, compared with an average of 10.7 a week during the rest of the year.

It is honestly a time to be careful and check your own auto insurance coverage for making sure that you have the right coverage. Uninsured motorist coverage is a cheap auto insurance coverage.
Happy Hallowen.