Protection against uninsured motorists ICWI to the rescue

Read our article in The Chamber Magazine, eversion

Their lack of insurance doesn’t have to be your problem anymore!

Imagine this–you are driving along the road in the morning listening to the news report when suddenly a vehicle pulls out in front of you…. and crash! You check yourself to ensure you are not injured, and after careful self-examination, you open your car door to see the crushed pieces of metal that was once your immaculately kept car.

The other driver gets out his vehicle, rubbing his head, with a look of awe, as if to insinuate “you came out of nowhere, I didn’t see you, I thought I could make it”.

After a quick examination of both vehicles you get your wits about you, and begin to gather up all the information for the other vehicle. As if being involved in an accident where you are not at fault wasn’t bad enough, you now realize that the other driver has no insurance. It’s as though you are caught in your worst nightmare–not at fault, and the other driver has no insurance! Although it is illegal to operate a motor vehicle without insurance, it happens quite frequently. So what do you do? How much is this going to cost you? In most cases, you will call your insurance company to register the claim, and to add insult to injury, the claims processor informs you, that by claiming on your policy, you will lose your No Claim Discount, you will have to pay your deductible, in addition to facing increased premiums. All of this bad news as a result of an unfortunate event in which you were not at fault.

So what recourse do you have? None…that is unless you have an ICWI policy that protects you against uninsured motorists. Early last summer, ICWI introduced a suite of new policy riders.

One of these policy riders is–Uninsured Motorist Coverage. ICWI has always been an innovator with new policies and benefits created to suit their customers’ ever changing needs. In these tough economic times, more and more drivers are not insuring; therefore the chances of being hit by an uninsured vehicle are increasing.

Only ICWI offers Uninsured Motorist coverage, which protects you in the event of an accident where an uninsured driver is at fault. ICWI will fix your vehicle at no cost to you–you pay no deductible, you keep your hard-earned No Claim Discount, and your premiums remain unaffected. You are not dreaming, it is real! You can walk away from an accident without dipping your hand into your pocket.

Uninsured Motorist Coverage is FREE to ICWI’s Road Angels, and is an optional cover that can be added to your motor policy at a marginal cost. (Private comprehensive only) Always the leader in product development, ICWI has introduced a suite of other policy riders including Accident Forgiveness, Additional Personal Accident Insurance to name a couple and let us not forget Uninsured Motorist Coverage.


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