David Pisanic: Uninsured motorist coverage is the most important coverage that you can buy, because you are protecting you and not anyone else.
John Doetzer: This coverage protects you and occupants of your vehicle, if you are hit by somebody who either doesn't have any insurance at all or has limits that are not adequate to compensate you for the damage and injury suffered by you and the occupants of your vehicle.
David Pisanic: You have to understand that there are great many people riding around you who don't have any insurance coverage at all. In most states you are not required to carry a great amount of coverage.
John Doetzer: So if you are going to go to the expense to protect other people against bodily injury and property damage that you may cause them, it makes sense to protect yourself from those people that are not responsible enough to carry insurance at all, they are just carrying bare minimums.
David Pisanic: Even if a person has coverage, say they have only got $20,000 in coverage, in most cases it won't be nearly enough to take care of your say for one day at shock trauma, could be a $100,000 in medical bills. This guy has $20,000, the other insurance company is going to say, here is our $20,000, they are going to walk away and you are going to be left with how I am going to pay for the difference.
Speaker: Uninsured motorist coverage is your protection in case the person who injures you doesn't have very much insurance.
John Doetzer: Your insurance company which step in and fill that gap for you.
David Pisanic: And they are going to compensate you for your pain and suffering just as if they were another insurance company who is insuring that guy.
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