12 Jul 2018
What You Need to Know About Underinsured Motorist Insurance

What is under/uninsured motorist insurance and what can it do for you?

If you are a driver, then you likely know that there are certain mandatory auto insurance coverages you are required to carry. However, you might be surprised to learn that there are a wide variety of optional coverages that you have access to as well. One of these coverages is under/uninsured motorist insurance. But what is this insurance for and what does it cover? Read on to learn more about under/uninsured motorist coverage.

What is it?

Under/uninsured motorist insurance is a type of coverage that helps you cover your own medical expenses and repair costs after getting into an accident with a driver who is not carrying enough insurance to address these costs. This type of coverage kicks in when the uninsured driver is at fault for an accident.

What does it cover?

Under/uninsured motorist insurance generally consists of two different types of coverage: uninsured motorist bodily injury coverage and uninsured motorist property damage coverage. Uninsured motorist bodily injury covers the cost of any medical treatments you might require after getting into an accident with an uninsured driver. Property damage coverage helps you pay for the repairs you might need following a collision with an uninsured motorist. Keep in mind that property damage coverage is not available in every state, so speak with an agent at Weaver & Associates to find out what coverages are available to you.

Why is it important?

Typically, if another driver is at fault for an accident, their liability insurance will cover your medical bills and repair costs. However, if the at-fault driver does not have insurance, you might be left to cover these costs on your own. Uninsured motorist insurance is designed to specifically fill this coverage gap, ensuring that the cost of another driver’s irresponsibility does not come out of your own pockets.

This is what you need to know about under/uninsured motorist insurance.  Interested in getting the protection that this special type of coverage offers?  Then contact the experts at Weaver & Associates in Arcadia, California.  Our dedicated team is ready to assist you with all your auto insurance needs today.