Uninsured and underinsured motorist coverage basic

Date: Mar 30 2010
Filed In: Auto Insurance101

Even though it is mandatory to have auto insurance in 48 states, with nearly 15% of all automobile accidents were involve with uninsured drivers. Uninsured motorist coverage pays for you and your passengers if you or the passengers were injured in the accident with uninsured motorists. It will cover your medical bills, rehabilitation expenses, lost wages, pain and suffering. Things you could claim against at fault party insurance if they had it.

Underinsured motorist coverage will cover the same losses if at fault party coverage is insufficient for your loss. Keep in mind in most states the uninsured and underinsured motorist coverage applies to the injuries only and not for the damage to your property or vehicle.

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