People ask me all the time, “should I get uninsured motorist”? 

Insurance is about taking on a risk or paying an insurance company for taking on the risk.  Liability insurance is required, but the other coverages are not.  What this means is you have a choice.  A choice to take on a risk, a chance of something happening to your vehicle that results in a loss or paying the insurance company to take on that risk.

You have to ask yourself some questions to make an intelligent decision.  How many times have I been in an accident?  What are the chances of this happening and the accident being my fault?  Anyway you look at it, you have to understand how insurance works and what is best for your risk threshold.

Not everyone needs full coverage, but if you want to be totally secure that you are protected you need to purchase full coverage for your car policy.

If you have any questions or concerns, you should talk to your insurance agent or a www.starkquote.com insurance agent.  A good agent will discuss a policy that fits your needs based on your risk threshold.