Why is underinsured motorist coverage important?
To save money, some people choose to carry only minimum liability coverage – just enough to drive legally. This choice often leaves them underinsured and unable to pay for vehicle damage or medical expenses if they cause an accident. That’s why underinsured motorist coverage is important—it protects you from motorists who haven’t fully protected themselves.
Two components of underinsured motorist coverage
- Underinsured motorist property damage: Pays for covered damages to your car or other property
- Underinsured motorist bodily injury: Pays for covered medical expenses, lost wages and other damages experienced by you or your passengers
Understand your state’s laws
Underinsured motorist coverage is typically paired with uninsured motorist coverage, depending on the state you live in. If it’s sold separately, it may or may not be required in your state. Talk to your agent if you have questions.
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Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.