Families should sit down with their insurance agent or company representative to determine the right amount for each individual and family.
Download PDF Version In 2009, approximately 30,000 lives were lost on our Nation’s highways Although 30,000 reflect a 28% decrease in traffic fatalities since 2006, much can still be done to address this issue on our Nation's highways Traffic crashes are the primary cause of debilitating injuries in the United States and the number one killer of Americans under the age of 34 In addition to staggering emotional costs, the annual economic loss to society because of these crashes, in terms of worker productivity, medical costs, insurance costs, etc , is estimated at more than $230 billion Clearly, there is a need for dramatic improvement in motor vehicle safety Getting unsafe vehicles off the road is integral to improving safety and saving lives. Chapter 301) gives the Department of Transportation’s National Highway Traffic Safety Administration (NHTSA) the authority to issue vehicle safety standards and to require manufacturers to recall vehicles that have safety-related defects or do not meet Federal safety standards.
Uninsured/Underinsured motorist (UM/UIM) coverage covers medical and other expenses when you are hit by a driver without adequate auto insurance.
You can purchase additional coverage to pay for damage to your car if hit by an uninsured motorist, but many people instead just purchase collision and comprehensive.
If a safety defect is discovered, the manufacturer must notify NHTSA, as well as vehicle or equipment owners, dealers, and distributors.