Uninsured and underinsured motorist coverage helps protect you if you're injured in an accident caused by a driver who either doesn't have insurance or doesn't carry enough insurance to cover your damages. Despite insurance requirements, many drivers remain uninsured or carry only minimum liability limits, making this coverage an important part of many auto insurance policies.
Two Related Protections
- Uninsured Motorist Coverage helps provide protection when the at-fault driver has no insurance.
- Underinsured Motorist Coverage helps provide protection when the at-fault driver's liability limits aren't sufficient to cover your damages.
Depending on your policy, these coverages may help protect you and others covered under your policy after a covered accident.
It's About Their Coverage, Not Yours
Carrying good auto insurance is important, but it doesn't guarantee the other driver made the same choice. Uninsured and underinsured motorist coverage helps address that risk.
What Limits Should You Consider?
Having uninsured and underinsured motorist coverage is important, but so are the limits you choose. Serious injuries can result in significant medical expenses, lost income, and a lengthy recovery period. That's why it's important to make sure your limits reflect the level of protection you're looking for.
Many drivers choose to align their uninsured and underinsured motorist limits with their liability limits, creating a more consistent approach to protecting themselves and others on the road.
Worth Reviewing
Your declarations page will list your uninsured and underinsured motorist limits. If it's been a while since you've reviewed them, or you're unsure what they mean, it's worth taking another look.
During a coverage review, I'll explain how these coverages work, review your current limits, and help you determine whether they're appropriate for your needs.
