Why do I need underinsured motorist coverage?

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

“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. “
Emily Maracle
Answered on May 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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