What does uninsured/underinsured motorist coverage provide?

Uninsured/underinsured motorist coverage specifically addresses situations where you are involved in an accident with a driver who either lacks insurance or does not have sufficient insurance to cover the damages or injuries resulting from the accident. This type of coverage is essential because it protects you financially when another party is unable to compensate you for the damages they caused due to their lack of coverage.

This coverage typically helps pay for various expenses, including medical bills and lost wages, that arise from injuries you or your passengers sustain in the accident. It can also cover property damage, ensuring you are not left to bear the financial burden alone when the at-fault driver is unable to pay.

While other types of coverage can address specific damages or injuries, uninsured/underinsured motorist coverage focuses exclusively on situations where the responsible party does not have adequate insurance.