UNINSURED MOTORIST INSURANCE

21 Jun UNINSURED MOTORIST INSURANCE

What if the parties involved in the accident are uninsured or underinsured? How will you subrogate your payment from them? Do you want protection in case someone underinsured hits your car? Call us and get insurance to protect you in such events.

What is underinsured motorist coverage?

Underinsured motorist coverage is a protection that helps pay for your expenses if you’re hit by an underinsured driver. In some states, uninsured and underinsured motorist coverages are bundled together and offered as single protection on your car insurance policy.

So, what does it mean to be “underinsured”? It depends on where you live. Each state defines “underinsured” a bit differently. An underinsured driver has auto liability insurance but either:

• Their liability limits aren’t enough to cover your bills after an accident,
• Or their liability limits are less than or equal to your underinsured motorist coverage limit.

What does uninsured motorist insurance typically cover?

Uninsured motorist coverage may offer two types of protection.

• Uninsured motorist bodily injury coverage helps pay for your medical expenses resulting from a crash caused by an uninsured driver. In some states, this protection may extend to a family member who is driving your car or your passengers.
• Uninsured motorist property damage coverage helps pay for repairs to your vehicle after a crash caused by an uninsured driver. This protection is not available in all states.

So, if you are worried about this, call us and get everything sorted out right now. You can also get a free quote.