The Wallace Insurance Agency

Uninsured/Underinsured Motorist Coverage

Understanding Uninsured/Underinsured Motorist Coverage: Protecting Yourself on the Road

Uninsured/Underinsured Motorist Coverage is a type of insurance coverage that protects you if you are involved in an accident with a driver who either does not have insurance or has insufficient insurance to cover the damages. In other words, if you are in a car accident caused by someone else’s negligence and they don’t have insurance, or their insurance doesn’t fully cover the costs, this coverage can help you. It is designed to pay for your medical expenses, lost wages, and other damages that you may suffer as a result of the accident. This coverage is important because there are unfortunately many drivers on the road who either choose not to have insurance or have inadequate coverage. If you don’t have Uninsured/Underinsured Motorist Coverage and you are hit by an uninsured or underinsured driver, you may be left responsible for paying your own medical bills and other expenses. By having this coverage, you can have peace of mind knowing that you are protected and won’t be burdened with these out-of-pocket costs. Keep in mind that Uninsured/Underinsured Motorist Coverage does not replace the liability insurance that is required in most states. It is an additional coverage that you can choose to add to your existing auto insurance policy. The amount of coverage you have will depend on the policy limits you select, so it’s important to carefully consider your needs and consult with your insurance agent to determine the proper amount of coverage for you.

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