The past week or so several of my colleagues and I have written about the perils posed by uninsured drivers. Many of the postings pointed out that uninsured drivers are more likely to be persons who’ve had their licenses revoked for various offenses such as DWI, careless and reckless, etc. In other words, uninsured drivers are often among the most dangerous on the road.
Most of our articles pointed out that the best way to protect yourself from financial loss at the hands of an uninsured driver is through the purchase of uninsured motorist coverage.
There is another deadly peril on the roads, however, that uninsured motorist insurance covers: the hit and run driver. Every year thousands of people are injured or killed in accidents caused by drivers who flee the scene. According to the San Francisco Chronicle, almost 4% of all deadly collisions in 2001 involved a hit and run driver. San Francisco Chronicle, 27 July 2003.
Unless the identity of the hit and run driver is subsequently discovered, the injured victims have no way of determining whether that driver has insurance. In effect then, the unidentified hit and run driver is also an uninsured driver.
You can insure yourself against hit and run drivers the same way you protect yourself from uninsured drivers — by adding uninsured motorist coverage to your auto policy. Check with your agent today!
Take a look at these postings which are part of the ongoing series on interstate and highway safety.
Are Double-Bottomed Semis More or Less Dangerous to You? – Devon Glass from Church Wyble, P.C.(Michigan), August 26, 2009
Who wins and loses when a Ford Focus and a fully-loaded semi-truck crash? – Steve Lombardi from The Lombardi Law Firm (Iowa), August 25, 2009
Hawaii Freeway Chronicles #1: What Are The Danger Points On H-1, H-2 and H-3?, by Wayne Parsons of Wayne Parsons Law Offices. (Hawaii), August 27, 2009
The Interstate Highway Graveyard, “Speed Kills”, Lombardi, August 28, 2009
Why Speeders on the Highway Cause More Serious Accidents, Glass, August 28, 2009
Death and Injury On Interstate Highways Increase With Higher Speed Limits, Wayne Parsons, August 29, 2009 2:31 AM
Drunk Drivers Caused 40% of Traffic Fatalities In Hawaii In 2006, Wayne Parsons, August 31, 2009 12:16 AM
Interstate Highways Are No Place For Drunk Drivers Over The Labor Day Weekend Wayne Parsons | September 01, 2009 4:36 PM
Uninsured Motorist Car Insurance: It’s Your Most Important Car Insurance and Here Is Why | Rick Shapiro, September 01, 2009 10:30 AM
Risky Drivers Don’t Just Drive Drunk and Speed – They Often Don’t have Insurance by Wayne Parsons | September 03, 2009 4:09 PM
Rick Shapiro | September 07, 2009 1:15 PM