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. “
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Read advice from car experts at Jerry
Browse by topics
What others are asking
How can I find car insurance in Oregon that actually fits my budget?
"I'm paying over $260 a month for car insurance, which is ridiculous, and I can't afford it anymore. What can I do?"
Jul 26, 2021
How much will my auto insurance cost in Oklahoma?
How do insurance companies calculate rates? I live in a rural area and drive a Nissan Versa.
Jul 01, 2021
What are the most common car-buying mistakes?
I want to know what mistakes to avoid when I start car shopping later this year.
Apr 08, 2021