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While driving through scenic neighborhoods or commuting along US-50 and MO-291, local drivers face a variety of risks—including accidents involving uninsured motorists. Unfortunately, not every driver on the road carries adequate insurance, which can leave you vulnerable in the event of a collision. At Morehead Agency, we’re here to help Lee’s Summit residents understand the importance of uninsured motorist coverage and how it can protect them.
What Is Uninsured Motorist Coverage?
Uninsured motorist coverage is a type of auto insurance that protects you if you’re involved in an accident with a driver who doesn’t have insurance or lacks sufficient coverage. This policy can help pay for medical expenses, vehicle repairs, and other costs that arise from the accident. In Lee’s Summit, where suburban growth has led to increased traffic, uninsured motorist coverage is a crucial safeguard for drivers.
Why Lee’s Summit Drivers Need This Coverage
Missouri law requires drivers to carry auto insurance, but not everyone complies. According to recent statistics, approximately 16% of drivers nationwide are uninsured, and Missouri is no exception. In Lee’s Summit, where busy roads like MO-291 and Pryor Road see frequent traffic, accidents involving uninsured motorists can be costly and stressful.
Without uninsured motorist coverage, you may have to pay out of pocket for damages and medical bills, even if the other driver is at fault. This coverage ensures you’re protected financially, allowing you to focus on recovery rather than worrying about expenses.
What Does Uninsured Motorist Coverage Include?
Uninsured motorist coverage typically includes two main components:
- Bodily Injury Coverage: Pays for medical expenses, lost wages, and pain and suffering if you’re injured in an accident caused by an uninsured driver.
- Property Damage Coverage: Covers the cost of repairing or replacing your vehicle if it’s damaged in an accident with an uninsured driver.
At Morehead Agency, we help Lee’s Summit drivers customize their policies to include the right level of uninsured motorist coverage for their needs.
Local Driving Risks in Lee’s Summit
Lee’s Summit’s growing population and suburban expansion have led to increased traffic on major roads and intersections. Areas like US-50, MO-291, and Douglas Street are particularly busy during rush hour, increasing the likelihood of accidents. Additionally, winter weather conditions, such as icy roads and snowstorms, can make driving even more hazardous.
Uninsured motorist coverage is especially important in these high-risk areas, where accidents are more likely to occur. By adding this coverage to your policy, you can drive with confidence knowing you’re protected against unexpected costs.
How to Get the Right Coverage
Choosing the right uninsured motorist coverage depends on your individual needs and driving habits. Here are some tips for Lee’s Summit drivers:
- Assess Your Risks: Consider how often you drive and the areas you frequent. High-traffic roads may increase your likelihood of encountering uninsured drivers.
- Review Your Policy: Check your current auto insurance policy to see if uninsured motorist coverage is included. If not, talk to your agent about adding it.
- Work with a Local Agency: Partnering with a local agency like Morehead Agency ensures you get coverage tailored to the unique risks of driving in Lee’s Summit.
Protect Yourself on Lee’s Summit Roads
Uninsured motorist coverage is an essential part of protecting yourself and your family while driving in Lee’s Summit. With busy roads, unpredictable weather, and the risk of uninsured drivers, having the right coverage can make all the difference. If you’re unsure about your current policy or want to explore additional options, contact Morehead Agency today
