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What is Uninsured / Underinsured Motorist coverage?

Uninsured motorist coverage

Uninsured motorist coverage covers any damages caused to your car or your person if you are hit by a car driven by someone who does not have car insurance, also known as an uninsured driver. It also covers you if you are involved in a hit and run accident. The amount of money that you are paid in an accident is up to the amount that you purchase in coverage.

Underinsured Motorist Coverage

Underinsured motorist coverage covers you if you are hit by a driver who does not have sufficient liability coverage to pay for your damages and injuries. Both uninsured motorist and underinsured motorist coverage are sold together most of the time. More and more people are found driving without car insurance even though it is illegal to do so. Uninsured and underinsured motorist coverage is there to protect you from these people.

 

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Car Insurance Glossary

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