Montclair, California (PressExposure) February 04, 2009 -- The study estimates that in California in 2007, 18 percent of drivers on the road were driving without insurance. An increase in the percentage of uninsured drivers would result in a greater likelihood that if you're involved in an auto accident, it will be with someone who has no auto insurance.
Allstate is reminding consumers that there is a way to help protect yourself in the event you are injured in an auto accident caused by someone who doesn't carry auto insurance.
"Accidents are unpredictable. Having the proper coverage can help reduce the financial impact to you of being injured in an auto accident caused by an uninsured motorist," said John Alsop and Allstate agent in Montclair. "Knowing that there may be more uninsured drivers on the road, you may want to consider uninsured motorist coverage. Even if you already have the coverage, now is a good time for you to review your auto insurance policy to ensure you have the coverage amounts you need."
Generally, uninsured motorist coverage provides coverage for certain damages you (or another person insured under the coverage) are legally entitled to recover from the owner or operator of an uninsured motor vehicle. While coverage varies from state to state and is subject to applicable policy terms, the coverage is typically divided into two types:
Bodily Injury Coverage - helps pay, for example, for medical expenses you incur because of bodily injuries you sustain in an auto accident caused by an uninsured motorist. In addition to providing coverage for medical expenses, the insured may also be eligible for coverage for, for example, loss of wages or pain and suffering.
Property Damage Coverage - helps pay for damages to your car caused by an uninsured motorist. This coverage is not offered in every state, so check with an Allstate agent to find out if this is available.
Coverage may also be available, separately or as a part of the uninsured motorists coverage, for damages caused by an underinsured motorist.
For more information on uninsured or underinsured motorist coverage, contact the John Alsop Insurance Agency Allstate agency located at 4101 Arrow Highway Ste. A, Montclair at 909-626-5000.
The Allstate Corporation (NYSE: ALL) is the nation's largest publicly held personal lines insurer. Widely known through the "You're In Good Hands With AllstateÂ®" slogan, Allstate is reinventing protection and retirement to help individuals in approximately 17 million households protect what they have today and better prepare for tomorrow. Customers can access Allstate products and services such as auto insurance and homeowners insurance through approximately 14,700 exclusive Allstate agencies and financial representatives in the U.S. and Canada, or in select states at allstate.com and 1-800 AllstateÂ®. EncompassÂ® and DeerbrookÂ® Insurance brand property and casualty products are sold exclusively through independent agents. The Allstate Financial Group provides life insurance, supplemental accident and health insurance, annuity, banking and retirement products designed for individual, institutional and worksite customers that are distributed through Allstate agencies, independent agencies, financial institutions and broker-dealers. Customers can also access information about Allstate Financial Group products and services at myallstatefinancial.com.
About John Alsop Insurance Agency - John Alsop Insurance Agency, founded in 1991, is an insurance firm with six locations in the cities of Montclair, Rancho Cucamonga, Chino, Ontario and Montebello. They serve more than 20,000 customers and offer all types of insurance products including, but not limited to, auto, home, renters, commercial, health and life insurance. They also offer financial products for investment purposes.