A small resident population sharing its roads with a very large number of people who have never driven them before. A meaningful share of the drivers around you are in rental cars and unfamiliar with the route.
Your own uninsured and underinsured motorist cover is what answers when the other driver cannot or will not.
Three things that follow from sharing your roads with visitors.
Uninsured motorist gets discussed; underinsured rarely does. It responds when the at-fault driver has insurance but not enough, which on a serious injury claim is extremely common because many drivers carry their own state’s minimum. It is your own policy standing in for the shortfall, and it is inexpensive relative to what it covers.
Different state, different carrier, different minimum limits, and an adjuster who is not local. Liability is still decided on the facts, but the practical process is slower. Your own collision and medical payments cover do not wait for any of that.
Sudden stops for a view, hesitation at junctions and confusion at roundabouts are ordinary visitor behavior, and they put the damage on the person behind. Being a careful local driver does not remove that exposure.
The cover that matters when the other driver is a stranger.
As a rule they should. Carrying high liability and low UIM protects everyone but you.
It pays your bills while an out-of-state carrier takes its time about fault.
Your own collision cover repairs the car now and recovers later, which is frequently the faster route.
Send your current limits. The first thing we look at here is the uninsured motorist line.
We match your UM and UIM to your liability rather than leaving them at a default.
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