What is the Difference Between Uninsured/Underinsured Motorist Coverage and Liability Insurance?

Uninsured motorist insurance is a type of coverage that provides protection in the event of an accident with an at-fault driver who does not have liability insurance. On the other hand, underinsured motorist coverage is necessary when the at-fault driver's liability limits are too low to cover the medical expenses of any injured person. This type of coverage usually includes both property damage and bodily injury, and is often required when the at-fault driver only has the minimum amount of state liability insurance. Adding uninsured or underinsured motorist coverage to your car insurance package can be a great way to safeguard yourself from expensive repairs or replacement costs. This type of coverage can make a big difference for drivers who have been hurt by someone who doesn't have enough liability insurance.

To make sure you have the right coverage to protect against uninsured or underinsured drivers, it's best to get a car insurance quote online or call 1-866-749-7436. It's important to note that uninsured motorist insurance is different from third-party liability insurance, which is mandatory in nearly every state in the U. S. Uninsured motorist coverage can cover damage costs if you are involved in a covered accident with an uninsured driver. The distinction between an uninsured and underinsured driver is whether they have any liability insurance coverage, or not.

In most states, insurance for uninsured drivers also covers victims of hit and run accidents when the identity of the driver who fled is unknown. Collision coverage will only cover damage to your car, regardless of who is at fault, while UMPD may cover damage to your car and other property caused by an uninsured or underinsured driver. It's always a good idea to have uninsured motorist coverage, even if it's not required by law in your state. However, if it's not required, you may still be able to purchase it if available.

Gertraude Jackel
Gertraude Jackel

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