What Every Driver Should Know About Uninsured And Underinsured Motorist Coverage

​Auto insurance is a necessity for all drivers, but it's important to understand the different types of coverage available to you. One type of coverage that many drivers overlook is uninsured and underinsured motorist coverage. In this article, we'll explore what uninsured and underinsured motorist coverage is, why it's important, and how it can protect you in the event of an accident.

Uninsured and underinsured motorist coverage is an insurance policy that safeguards you in case of an accident with a driver who lacks adequate insurance to cover the damages. This coverage shields you when the at-fault driver either lacks insurance or has insufficient coverage.

Why is this coverage important? 
It protects you from financial loss in case of an accident. If you have an accident with an uninsured or underinsured driver, you may be responsible for paying the damages to your vehicle and any medical expenses resulting from the accident. Uninsured and underinsured motorist coverage acts as a safety net, preventing you from bearing the financial burden caused by someone else.

How does it work?
This coverage fills in the gaps left by the at-fault driver's insurance. For instance, if you have an accident with an underinsured driver whose policy only covers $20,000 in damages, but your total damages amount to $50,000, your uninsured and underinsured motorist coverage can cover the remaining $30,000.

It's worth noting that uninsured and underinsured motorist coverage isn't mandatory in all states. Nevertheless, it's advisable to consider adding this coverage to your auto insurance policy, particularly if you reside in an area with a high number of uninsured or underinsured drivers.

To conclude, uninsured and underinsured motorist coverage is a vital type of auto insurance coverage that all drivers should contemplate. It provides protection if you have an accident with a driver who lacks sufficient insurance to cover the damages. By incorporating this coverage into your auto insurance policy, you can ensure that you are safeguarded against financial loss and have peace of mind knowing you're covered in case of an accident.

​At AllRisk Auto Insurance, LLC, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (360) 693-4044. Get your free quote today by CLICKING HERE.

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​