Uninsured/Underinsured Motorist

Why is Uninsured/Underinsured Motorist Coverage important?

If you are the victim of hit-and-run accident, or your car is hit by someone who is inadequately insured, uninsured-motorist and underinsured-motorist coverage pays for medical expenses, rehabilitation, and pain-and-suffering costs of the victims in your car. This crucial protection also covers your household members should they be involved in an accident as a pedestrian. We recommend that this coverage be purchased with the same limits as your Bodily-Injury and Property Liability coverage to give you the same coverage in the event of an accident with an uninsured or underinsured driver.

What if someone does not have enough auto insurance to cover what they have become legally liable to pay in an accident?

If your injury expenses related to an auto or car accident exceed the at fault parties liability limits, underinsured motorist bodily injury coverage can come in to pay for the amount not covered by the at fault persons insurance. This type of insurance is designed to cover the difference between the other person's liability limits and the amount of your injury expenses, up to the limit you select.