Uninsured and underinsured motorist coverage helps ensure you are not left alone to manage costs from an accident for which you are not at fault.
This example can help provide a better understanding: You are injured in an accident and discover the other driver either doesn't have car insurance or doesn't have enough car insurance to cover your medical expenses. Your uninsured or underinsured motorist coverage can help in this situation.
If you have uninsured motorist coverage, you may be compensated for injuries or damage to your vehicle (this depends on the state) caused by a driver who doesn't have car insurance. Or, if you have underinsured motorist coverage and the costs related to your injuries or damage to property are more than the other driver's insurance will cover, it could help you fill the gap.
Underinsured and uninsured motorist coverage might be required in your state. However; if it's not required, keep this statistic in mind: According to the Insurance Information Institute (Opens in a new tab), one out of eight drivers do not have proper insurance, so even if this coverage isn't required in your state, it's a very good idea to add it to your car policy.
There may be different limits associated with these coverages. Get more facts about uninsured and underinsured motorist coverage in our Learning Center and consult your car insurance policy for further details.
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