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Underinsured Motorist Insurance protect you against injury caused in an automobile accident where the at-fault driver's liability car insurance coverage is inadequate. Uninsured motorist insurance is needed when the other driver has no liability coverage.
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Underinsured motorist coverage also pays for the cost of your injuries
that exceed the other driver's car insurance coverage maximum.
Most states don't require both types, but some require one or the other.
Coverage that provides protection for the insured, family members and
occupants
of a covered vehicle in an accident in which the owner or operator of a motor
vehicle
who is legally liable and either does not have sufficient coverage or does not
have
any insurance to cover the loss.
Uninsured and underinsured motorist coverage protections are a very important part of your policy.
!!! Real good idea to carry these two coverage's !!!
How important are they?
Around 15% of all drivers have no auto insurance coverage.
If you're injured in an
accident caused by one of these drivers, you won't be reimbursed without this coverage.
Unlike medical coverage, uninsured and underinsured motorist coverage
will compensate you for not only the out-of-pocket expense of your injuries, but for your
pain and suffering as well. That's one reason these two types of coverage's are so important.
How much uninsured and underinsured motorist coverage do you need?
Consider carrying the same limits as your liability coverage.
After all, it makes sense to protect yourself and your family as much as you protect other
drivers on the road.
Protecting yourself also means protecting your assets.
Often
uninsured/underinsured coverage will also reimburse you for property damage you may incur
in an accident.
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