Uninsured/Underinsured Motorist

Uninsured/Underinsured coverage pays for your loss of income, and pain and suffering which was caused by an uninsured (or underinsured) driver.

Uninsured/Underinsured coverage is most often sold in "split limits" like Bodily Injury Liability and Property Damage Liability. But unlike those coverages, Underinsured/Uninsured Motorists coverage protects you, your car, your passengers and your assets -- not others whom you have injured.

Although it is against the law to drive without insurance, it's estimated that 10% of the drivers in the U.S. do not have liability coverage. Many others carry only the minimum amount of liability coverage required by state law. Minimum limits (15,000/30,000) can be quickly used up by the cost of a totaled car. Your Uninsured/Underinsured Motorists coverage protects you and the people you love from a run-in with someone who is less responsible and less insured than you are.

There are typically exceptions to this type of coverage. It's important to carefully review your specific policy for a complete list of rules, limitations and exemptions