What is Uninsured and Underinsured Motorist Coverage

What is Uninsured & Underinsured Motor Vehicle Coverage? In short, this is a type of insurance coverage you can pay for on your policy to help protect you if you are injured by a person who has no insurance coverage or minimal insurance coverage. This coverage can help save you from having to pay expenses out of pocket if you are injured in a car accident.


The difference between uninsured and underinsured coverage? Uninsured motorist coverage is available to you when the at-fault driver does not have insurance coverage. This means there is no insurance from the at-fault driver to help cover your costs. Having uninsured coverage helps in this situation to cover your costs. Underinsured motorist coverage is available even if the at-fault driver has insurance coverage. However, this coverage is only applicable when there is not enough insurance from the at-fault driver’s coverage to help cover your costs.


How can having uninsured and underinsured motorist coverage save you money? Having uninsured and underinsured motorist coverage can save you money by helping protect you from having to pay costs out of your pocket. If the at-fault driver who injured you doesn’t have any coverage or enough coverage, your uninsured or underinsured coverage will help. Call your insurance company and ask if you have this coverage.