Even responsible drivers who believe they have good auto insurance protection may come to learn that their coverages don’t fully protect them in an accident.
Uninsured motorist coverage protects you when another driver who is at fault in an automobile collision has no insurance at all. It covers lost wages, medical costs and other expenses associated with your injuries.
Underinsured motorist coverage safeguards you if you are injured by a careless driver who has only minimal insurance. Since uninsured motorist coverage doesn’t apply, the other driver’s minimal liability policy may not cover all of your injuries. Your own policy may not completely cover the damages arising from your injury unless you have sufficient underinsured motorist coverage.
Protect yourself and your family
Obtain sufficient auto coverage for all family drivers. Your auto insurance agent can outline the extent to which your uninsured and underinsured motorist coverages will safeguard your family. If they are inadequate, increase this relatively inexpensive protection.