According to the Insurance Research Council more than 14% of U.S. drivers are uninsured. You may be wondering: So what? How does this affect me?

Your chances of being involved in an accident with an uninsured motorist is one in every seven accidents. If you’re involved in an accident where an uninsured motorist is at fault, you better hope that person has a few thousand dollars saved away – unlikely – or know that your own insurance will cover the damages.

Uninsured Motorist coverage is designed just for these situations. If you’ve opted for underinsured motorist coverage, your insurance company will foot the bill for your medical bills . Even further if you have Underinsured Motorist coverage, your own insurance company will pay for your auto repairs. Do yourself a favor and look over your current policy, ensure you have these coverages. If you don’t, it may be time to compare prices and shop around for another affordable insurance policy with these coverages.