Underinsured drivers are person with car insurance, but their liability coverage limits are insufficient to cover injuries from accidents they cause. The exact definition of an underinsured driver varies from state to state.

How does underinsured motorist insurance work?

Underinsured motorist coverage is a supplement to your auto insurance policy.it Protects you if you have an accident involving someone for whom you do not have adequate insurance. In the event of an accident, at-fault insurance should indemnify other injured persons.

What is the purpose of underinsured motorist insurance?

Uninsured/Uninsured Driver Bodily Injury is by Design Medical bills, lost wages, pain and suffering for you and the people in your car (if you are involved in an accident caused by No insurance or adequate insurance.

Is underinsured driver insurance a good idea?

Uninsured and underinsured motorist insurance is often worth it if you can afford full coverage.In most cases, UM/UIM overrides cost much less than Liability, comprehensive or collision coverage. We recommend incorporating it into your policy.

Will insurance companies go after underinsured drivers?

Generally, uninsured or underinsured driver claims progress in the same way as regular auto insurance claims, unless the claim is against your own insurance company.

Uninsured and Underinsured Driver Insurance

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