Uninsured/Underinsured Motorist Insurance Coverage

Uninsured/Underinsured (motorist insurance coverage greatly extends the amount of coverage that you have available in the event of an accident. Imagine that you are involved in an auto accident that is not your fault. Add in that the driver who caused the accident is insured, but only to the limits of minimum liability as dictated by state law. It's very possible that the amount of damages to your person and/or property far exceed the other driver's available coverage limits.

Uninsured and underinsured motorist insurance coverage, added to your current policy, will cover damages in excess of the at-fault driver's available limits. And of course, if the other driver is breaking the law and driving without any insurance whatsoever, you will still be covered. It's also good to remember that it is not uncommon for as much as 25% of the total number of drivers in a given state to be uninsured.

What is the difference between uninsured and underinsured?

>p>A driver is classified as uninsured if he or she has no automotive insurance coverage whatsoever. Additionally, uninsured can mean having insurance that does not meet minimum liability requirements as mandated by a given state. Further, if an insurance company denies the claim or is not able to cover it financially, the driver is also considered uninsured.

An underinsured driver is a person who is legal to drive according to the state. He or she meets legal minimum requirements for liability coverage. The problem is that those legal state requirements for liability may not be enough to cover damages to person and/or property, that you and/or your passengers sustained.

It's important to realize that underinsured and uninsured motorist insurance coverages are separate options that can be added to your current auto insurance policy. Opting for one does not imply opting for the other. However, in many states, underinsured and uninsured motorist insurance coverage can be purchased as a package together.

In the majority of states, underinsured/uninsured insurance protection is not mandatory. It is however, very intelligent in every state. It's a solid and feasible decision that will grant you, and your family members, peace of mind every time you're driving on America's roads.

You can also opt to include uninsured motorist bodily insurance. This type of coverage would protect you in the event that, as a pedestrian, you were struck by a vehicle in which the driver had only minimum coverage limits of insurance, or no insurance at all. You would be covered for all expenses associated, up to your preselected coverage limits. As you would expect, this type of insurance coverage is growing in popularity, especially in heavily-trafficked urban areas.

Regardless of your specific requirements for underinsured or uninsured motorist insurance coverage, you'll quickly find the best rate quotes when you comparison shop online. Check out the best premium quotes from major insurers like Geico, Allstate, AAA, General and more. You will enjoy saving time, effort, frustration, and most of all, money!