You are a good driver, and you want to do everything you can to save money on your car insurance bill. While you may have heard of uninsured motorist coverage, you may think that you do not need it.

U.S. News & World Report breaks down uninsured motorist coverage and how it can benefit you. Before you get behind the wheel again, see if it may be time to add coverage for negligent New York drivers.

Negligent drivers

Say that another driver was to run a stop sign and hit you; there is no denying who bears responsibility for the accident. That said, the driver may not have the liability insurance coverage necessary to pay for all the damage to your car or your medical bills. Without uninsured motorist coverage, you have to pay for the resulting damage out of your pocket, making you financially responsible for someone else’s negligence.

Breaking down uninsured motorist coverage

Uninsured motorist coverage can take care of bodily injury or property damage. Bodily injury coverage includes your injuries, as well as any injuries that your passengers may suffer. You may also receive compensation for any pain and suffering endured as a result of the accident with an uninsured driver. Property damage handles damage to your car. Ask your insurance provider if property damage coverage also takes care of damage to anything inside your vehicle at the time of the accident, such as a tablet computer or laptop.

Talk with your auto insurance carrier about including uninsured motorist coverage on your auto policy. Taking action now can seriously pay off later.