A recent article in the Atlanta Journal-Constitution titled "Study: Atlanta drivers among country's least safe," discusses just that. Whether it's heavy traffic, long commutes, or some other reason, we Atlantans must try to be much more careful when behind the wheel to avoid being involved in a car accident.
According to a study commissioned by Allstate Insurance, Atlanta was the 146th safest driving city in America. Considering that Atlanta is the 33rd largest city in the US, this isn't a good sign. The report states that the average driver in Atlanta will experience an auto collision an astounding every 8.2 years.
With such frequent collision rates in our city, it's vital that you're properly insured with both Add-On Uninsured Motorist (UM) Coverage and Medical Payments (MP) coverage.
Add-On Uninsured Motorist Coverage
"Add-on" UM coverage is a type of insurance that will protect you from the growing number of people who are either fully uninsured or simply underinsured. In this tough economy, there are more drivers on the road with no insurance, and some of these drivers may be more inclined to flee the scene of a wreck than to face the consequences. UM, coverage allows an injured victim to make a claim and be made whole for their injuries.
Medical Payments Coverage
MP coverage will pay the medical bills for anyone injured in your car, no matter who causes the accident. A common mistake that people make is to decline MP coverage because they already have medical insurance. The fact is that everybody should have MP coverage, regardless of whether or not they have health insurance. At least $10,000 of MP coverage in addition to regular medical insurance is highly recommended.
If you have a question about your auto insurance, and whether you should make any changes, please contact me, and I'll be happy to share my thoughts!
Additionally, our firm offers a smartphone app that lets you immediately email all important accident information, such as photos and recordings, directly to the Law Office of Bruce Hagen. It’s convenient and ensures that no details of the accident will be missed. Got a minute? That’s all it takes to download the Hagen app and be ready for any emergency on the road.