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How does Uninsured or Underinsured Motorist Coverage Work?


In the event of an accident caused by another driver, you may discover that the adverse driver’s liability coverage limits are not sufficient enough to cover your damages. If, for example, your damages total $50,000 but the adverse driver’s liability coverage only covers $25,000, if you have an underinsured motorist coverage policy (with a limit such as $50,000), your insurance company will pick up the remaining difference of $25,000.

Without UM/UIM coverage in this scenario, you will likely have to sue the adverse driver to recover the difference. In many cases, uninsured or underinsured drivers will not have the assets to pay for the remaining damages, which means that you will have to foot the bill for the remaining costs.

If you’re unsure if you have UM/UIM coverage, contact your auto insurance provider. Purchasing this coverage can save your and your family from unexpected and expensive costs in the event of an accident.

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