Uninsured and Underinsured Motorist Coverage
Insurance may help cover car repairs and medical costs for you and your passengers after an accident if the driver at fault doesn’t have enough or any auto liability insurance. Sometimes, these policies are sold as a package or separately. Below are some types of coverage that may be included in your UM/UIM policy or available as add-ons, depending on the state in which you live.
Uninsured motorist bodily injury coverage may pay the medical bills for you and your passengers when the at-fault driver can’t pay due to having no insurance.
Underinsured motorist bodily injury coverage may pay the medical bills for you and your passengers when the at-fault driver can’t pay due to having inadequate insurance.
Uninsured motorist property damage coverage may pay for the costs of repairs to your damaged vehicle when the at-fault driver can’t pay due to having no insurance.
Underinsured motorist property damage coverage may pay for the costs of repairs to your damaged vehicle when the at-fault driver can’t pay due to having inadequate insurance.
Excess uninsured/underinsured motorist coverages may help cover excess costs when an auto policy’s UM/UIM limits have been exhausted.
Types of accidents potentially covered by UM/UIM:
- a hit-and-run
- Someone rear-ending you
- Head-on collisions
- A driver backing into you
UM/UIM coverage may help pay for:
- Medical bills
- Lost wages if you or your injured passenger can’t work due to a car accident
- Pain and suffering compensation
- Funeral expenses
- Repairs to your vehicle
Talk to your insurance professional at Marshall & Sterling, today to learn more about how uninsured and underinsured motorist coverage can add more layers of protection for you and your vehicle.