When you’re in a car accident, the other driver’s insurance is supposed to cover your damages. But what happens if the other driver doesn’t have enough insurance? That’s where underinsured motorist coverage comes in.
Underinsured motorist coverage is a type of insurance that protects you if you’re hit by a driver who doesn’t have enough insurance to cover your damages. It can help pay for medical bills, lost wages, and other expenses.
Uninsured motorist coverage (UM) is an optional type of auto insurance that provides financial protection to drivers who are involved in an accident with an uninsured or underinsured motorist. UM coverage can help pay for medical expenses, lost wages, and other damages resulting from the accident.
UM coverage is important because it can help you recover compensation for your injuries and damages even if the at-fault driver does not have insurance or does not have enough insurance to cover your costs. UM coverage can also provide peace of mind, knowing that you are protected in the event of an accident with an uninsured motorist.
