The Importance of Uninsured and Underinsured Motorist Coverage

Drivers face a wide range of potential risks on the road, and one of the more frustrating situations involves being involved in a crash caused by someone who either carries no auto insurance or too little.

In some cases, a driver may carry only the lowest amount required, which may not fully cover the costs of repairs and medical treatment if the accident causes significant damage. Uninsured and underinsured motorist coverage can help fill this gap when the other party in a collision cannot provide adequate compensation.

What This Coverage Typically Includes

Uninsured and underinsured motorist coverage can step in when the at-fault driver can’t meet the financial responsibility of the accident. This kind of coverage can help with car repairs or vehicle replacement. It can also help you with rental car costs and medical expenses for you and your passengers.

In some cases, this coverage applies even if you are hit by a driver who flees the scene, offering a solution for hit-and-run scenarios that otherwise leave victims without a way to recoup losses.

How to Get Appropriate Coverage

The amount of uninsured and underinsured motorist coverage available can often be customized. Many insurers allow customers to add this coverage in incremental amounts, giving you control over how much financial support would be available if you’re ever in this situation.

A typical recommendation is to have enough coverage to replace your vehicle. Your agent can explain what levels might be appropriate based on your vehicle, driving habits and local traffic conditions.

Find Out More

Contact All-Integrity Insurance Agency LLC to learn about your uninsured/underinsured motorist coverage options and get a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.