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Everything You Need to Know About Uninsured Motorist Coverage




Driving peacefully along a roadway only to see a car suddenly jump into your lane from the side is a jarring experience, one that is only made worse if they hit your car making this move Finding out that the driver who caused the accident is uninsured only complicates the matter as well. Consider the fact that 14% of motorists on Texas roadways have no insurance, there is plenty of reason to learn everything there is to know about uninsured motorist coverage and whether it’s right for you.

Different Types of Car Insurance

Many drivers have no clue that there are actually different types of car insurance which can be included in a policy. Uninsured motorist coverage is just one of many different types that drivers can choose from. These primary different types of car insurance include:

  1. Liability Coverage: Required for all drivers to have and covers damages that occur to another person’s property or body as a result of a car accident.
  2. Comprehensive Coverage: Covers any form of damage to your vehicle that may result from natural events, rather than an accident, such as trees falling.
  3. Collision Coverage: Offers coverage to your vehicle in the event there was an accident you were involved in, whether that be colliding with another vehicle or an object such as a fence.
  4. Medical Payments Coverage: Either required or optional depending on the state you are in but will cover payments related to medical costs for you or passengers in the vehicle.
  5. Personal Injury Protection Coverage: Only offered in some states, but offers additional coverage, such as for lost wages, that result from medical related injuries.
  6. Uninsured Motorist Coverage: Finally, uninsured motorist coverage offers financial compensation when you are in an accident with a driver who has no insurance.

What Does Uninsured Motorist Insurance Cover?

While the overarching description for this insurance seems basic enough, it can be confusing to understand what is actually covered under uninsured motorist insurance coverage. This coverage specifically offers compensation for repair costs or total loss coverage on your vehicle in the event you are in an accident with someone who is driving without insurance. It will also offer coverage for medical expenses, but these coverage items vary from state-to-state. Oftentimes, uninsured motorist coverage and underinsured motorist coverage are combined in a policy.

The latter refers to a driver who has insurance, but their policy does not offer enough coverage to adequately pay for the damages to your vehicle. In this situation, underinsured motorist coverage would potentially kick in and help to cover the difference.

Is Uninsured Motorist Coverage Required by Law?

Uninsured motorist coverage is not required by law in every state around the country, however it is mandatory in many. Research the insurance rules for your specific state, especially if you have a higher rate of uninsured drivers, to know if it is required. Even if uninsured motorist coverage isn’t required where you live, adding it to your policy is a great way to protect against the risk of getting into an accident with someone who has no coverage or limited coverage.

What Does Uninsured Motorist Coverage Not Protect Against?

There are a few specific items that uninsured motorist coverage will not protect against. For example, any incident that doesn’t involve another driver will not activate uninsured or underinsured motorist coverage, as another driver with no insurance or limited insurance needs to be present. This means that natural disasters, such as a tree falling, and other similar items will not result in uninsured motorist coverage being used.

Additionally, in some states, the damage to your car will not be covered under this form of insurance. Almost all states that have uninsured motorist coverage as a requirement mandate that medical expenses must be covered, but auto repair costs are left out in some states. This means that you need to review the specifics of your uninsured motorist coverage agreement to understand what costs would potentially be covered.

Keep yourself protected on the road today

While all drivers hope that they are never involved in a car accident, it’s impossible to control the actions of other drivers on the road. Even if you follow the law perfectly, including by being an insured driver, there is no guarantee the other driver will do the same. Adding uninsured motorist coverage to your policy can be an excellent choice when it comes to protecting against the unknown.


5 Infographic Tips You Need to Know



5 Infographic Tips You Need to Know

Infographic Tips

Are you looking to make a great infographic? Do you want it to be as effective and well-received as possible?

If so, then you need to learn about infographic tips and tricks. By ensuring that your infographic is visually appealing, well-researched, and organized well, you’ll increase how helpful it’ll be. Rather than churning out an infographic that nobody notices, you’ll notice your work is appreciated.

See below for an infographic tips guide that will teach you how to ensure your project is the best it can be.

1. Keep it Simple

When it comes to making effective infographics, it’s important to keep things simple. Keep the layout clean and simple, and focus on using images that don’t distract from the text.

Don’t be afraid to use whitespace, it will help break up the information and make it more inviting for readers. Make sure your infographic looks good both on desktop and mobile devices. A responsive design is essential in the digital age.

If you want to make a simple infographic for personal or professional use, you can try out this free tool!

2. Visual Hierarchy

If you want your infographics to be successful, there are certain tips you need to know. One key aspect is the visual hierarchy. The visual hierarchy is the order in which information is presented in an infographic, either in terms of importance or chronology.

Keeping the visual hierarchy in mind when designing your infographic is a great way to ensure that viewers can easily take in and comprehend your information in a logical and coherent way.

3. Use Icons and Symbols

Using icons and symbols helps create infographics with an intuitive experience by allowing data to be quickly scanned and understood. They are a great way to add visual interest to an infographic without taking up a lot of space.

When choosing icons and symbols for an infographic, consider how they will be interpreted by the target audience. Keep it simple by sticking to one style that will work throughout the entire infographic, and use titles and labels to ensure they’re easy to understand.

4. Color and Contrast

Colors help organize information and make the infographic more visually appealing and easier to digest. Contrast can even further help by making sure the information stands out from the background so it’s easier to identify.

When using colors, make sure to use those that complement each other. As far as contrast goes, pairing light colors with dark ones will create the desired effect and make any text more visible. Using colors to highlight important points can also help direct readers’ attention and guide them through the infographic.

5. Tell a Story

Ensure you create a clear purpose for the story you are telling. Conveying the key takeaways from a research project to summarizing the findings as an example. Think about the key data points and relevant visuals to include in your infographic.

Choose visuals that align with the data and that can help to bring your story to life. Finally, pay attention to detail and ensure that all your facts and figures are accurate.

Apply These Infographic Tips

Now that you know the best infographic tips, you’re ready to get started crafting your own. Follow these tips to create effective and eye-catching infographics, and don’t forget to keep experimenting to find the best design for your project. Start creating and show us your awesome infographics!

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