Why do I need underinsured motorist coverage?

I have full-coverage and uninsured motorist coverage. Why should I also add underinsured motorist coverage?

Answer provided by
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Emily Maracle
Answered on May 10, 2021
“In most states, uninsured and underinsured motorist coverage come as a package deal. This is because they provide similar coverage.
While uninsured motorist coverage protects you if you’re in an accident with an uninsured driver, underinsured motorist coverage protects you if the at-fault driver doesn’t have enough coverage.
If you get into an accident with a driver who only has $15,000 in bodily injury liability and your medical bills total $30,000, their insurance would only cover $15,000. You’d still be responsible for the other $15,000.
With underinsured motorist coverage, you wouldn’t be required to pay out of pocket. Your own insurance would cover the additional $15,000. “
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