When you buy car insurance, most of us glance over the paperwork, pay the premium, and forget about it. I was the same, but after my crash I learned about something called an ‘Uninsured Driver Promise’.
Not all insurers offer it, but if yours does, it means that if you’re hit by an uninsured driver and it’s not your fault, your no-claims discount stays protected, and your car will be repaired or replaced as long as you can prove you weren’t to blame.
Thankfully, my policy included this clause, but I’d never noticed it before. It saved me a lot of stress in the end, and I’d urge anyone reading this to check if your insurer includes it.
Based in New York, Stephen Freeman is a Senior Editor at Trending Insurance News. Previously he has worked for Forbes and The Huffington Post. Steven is a graduate of Risk Management at the University of New York.