What is covered by uninsured and under-insured motorist insurance?

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What is covered by uninsured and under-insured motorist insurance?


If you’re involved in a car accident with someone who either doesn’t have insurance, or doesn’t have enough, what happens if that person is at fault? While in certain cases this might mean that the driver is forced to pay out of pocket for your damages (if he has the money), in many cases, this option simply isn’t realistic. It’s in this scenario where any uninsured/ under-insured motorist (UIM) coverage on your own insurance policy would come in handy.

Basically, uninsured motorist coverage works like this:

  • If the other driver is legally responsible, and he or she does not have enough (or any) insurance coverage, then your insurance company will jump in. 
  • Should the other driver have some coverage, but not enough, your uninsured motorist coverage will most likely pay the difference. 
  • If the other driver had no insurance, your policy will have to cover all of it – at least, up to the limits of the coverage you purchased.

UIM coverage is not required in most states of the US, but it’s never a bad idea. While it adds an extra expense to your auto policy, it can very well be worth it for peace of mind. The fact is that not every driver on the road is insured to meet the legal requirements – if at all. Protecting yourself with UIM, if you can reasonably afford it, is never a bad investment. 

If you find yourself dealing with an accident with a driver without insurance, you may wish to contact an experienced car accident attorney who can help you to understand your rights under your uninsured motorist coverage and who can help you to take steps to get the compensation you need.