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Small car owners need protection against uninsured drivers

The rugged terrain of Montana inspires many of the state's motorists to purchase large, sturdy cars and SUVs. But there are those who prefer the advantages of smaller passenger vehicles. Smaller cars are often more economical than their larger auto brethren. Small cars are also widely considered more environmentally friendly, and some models can be a lot of fun to drive.

But on the downside, smaller cars leave their occupants more vulnerable when involved in accidents. In fact, in certain crash tests conducted by the Insurance Institute for Highway Safety, only one of the dozen small vehicles tested was issued an overall "good" rating. And in fact, four models were given "poor" ratings.

Making things more precarious for small car occupants is that there are more large cars on the road, meaning the odds are they will be overmatched in an accident. All of this means that occupants of small cars are more likely to be seriously injured in accidents. As such, small car owners should carefully consider their auto insurance options.

If you are a small car owner, you may have added an uninsured or underinsured motorists component to your auto policy. This is typically a very good move as this coverage should pay for medical or other costs if you are involved in an accident caused by a driver who does not have insurance.

But sometimes uninsured or underinsured motorist claims can become complicated if an insurance provider does not wish to honor the full measure of what a policyholder is due. If you should ever face such difficulties getting a fair settlement, then a Montana attorney may be able to represent your interests and get you appropriate compensation.

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