Uninsured & Underinsured Coverage

Uninsured and underinsured motorist coverage is designed to protect drivers when involved in accidents with at-fault parties who either have no insurance or insufficient coverage. This protection ensures that you won’t bear the financial burden alone in such cases.

  • Protection Shield

  • Peace of Mind

  • Financial Safety

um-uim-Section-two-image
ui-uim-how-it-works

Why Coverage Uninsured & Underinsured Matters

Without proper insurance coverage, you may face significant financial difficulties if involved in an accident with someone who lacks adequate insurance. Having this additional coverage ensures that your medical and repair expenses are covered, even if the other driver can't pay.

  • Financial Security Coverage.

  • Accident Protection Coverage.

Key Benefits of Uninsured and Underinsured Motorist Coverage

This coverage gives you an added layer of financial security in case you’re involved in a crash with a driver who either lacks insurance or whose coverage isn’t enough to pay for your losses. It helps cover medical expenses, repairs, and legal fees.

Frequently Asked Questions (FAQs)

Uninsured motorist coverage protects you when the at-fault driver has no insurance, while underinsured motorist coverage applies when the driver’s insurance is insufficient to cover the full extent of your damages.

Yes, uninsured motorist coverage often applies in hit-and-run accidents where the responsible driver is unidentified or does not have insurance to cover the damages you sustained.

In most cases, adding this coverage will increase your premiums slightly, but the protection it provides in case of accidents may be worth the additional cost.

Laws vary by state, but in many places, uninsured motorist coverage is required by law. However, some states allow you to opt-out of this coverage if you choose.
FAQ-746-2

Protect Yourself with Comprehensive Coverage

Protecting yourself with uninsured and underinsured motorist coverage is a smart decision for anyone who wants to avoid financial hardship in the event of an accident with an under-insured or uninsured driver. This added layer of protection is a wise investment.

  • Accident Coverage.
  • Peace of Mind.
  • Legal Coverage.
  • Financial Protection.
who_we

Protect Your Future Today

Men-Shield