Underinsured Motorist Insurance

Key Highlights of Underinsured Motorist Coverage

When you are in an accident, the first thing that comes to mind is of course bodily harm and car damage. When you realize you are ok and your car only has minor damage, you will heave a sigh of relief; that is until you realize the other driver has the state’s minimum coverage, which is insufficient to cover the damage.

Underinsured Motorist Explained

This is where underinsured motorist saves the day by catering for medical costs and car damage on top of the underinsured driver’s minimum coverage. In most cases, this coverage is sold in a package together with uninsured motorist coverage.

Types of Underinsured Motorist Coverage

Underinsured motorist coverage protects you in two ways:

This type of policy gives you extra coverage when you are badly injured in an accident caused by an underinsured driver or when your car is badly damaged. Why not get this extra peace of mind?