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What is Uninsured and Underinsured Motorist Coverage?

As you go about shopping for car insurance, you may have found yourself with a good deal of questions about car insurance and the provisions that are contained in a typical car insurance policy. Finding answers to your questions can be a challenging task, to be sure.

In this article, you will be presented with some basic information about uninsured or underinsured motorist coverage. If you find that you have any additional questions about car insurance coverage generally or uninsured motorist or underinsured motorist coverage, you will want to take the time to meet with with a car insurance specialist. In addition, the insurance commissioner in your state will have staff members who can work with you to come to a better understanding of the different provisions of a typical car insurance policy. This includes provisions relating to uninsured or underinsured motorist coverage.

Uninsured, or under insured coverage is a type of insurance that gives the insured person or their family members included in the policy compensation for medical expenses, when another driver either does not have enough liability insurance, or has none at all. In this day and age, an ever growing number of motorists are on the road and are not insured -- or do not maintain enough insurance coverage. This fact leaves all other motorists at risk.

With the cost of medical expenses sky high these days, not having an uninsured or underinsured motorist coverage could mean that in the event of an accident where someone is injured and the party at fault has little or no cover, the costs can result in a substantial loss.

Family incomes, and jobs can be lost. Assets may need to be sold to pay for the medical costs, worse still is the amount of stress, suffering and inconvenience put on the injured person and their family, especially when the negligent party walks away none the worse.

Liability insurance will cover the insured person and those who live in that personís home. It will also provide coverage even when those people covered by the policy are walking in the street, and are injured by a hit and run motorist.

If underinsured, or uninsured motorist cover is not obtained, this could mean that those who are bodily harmed as a result of some kind of auto accident are responsible for their own medical expenses, if the person responsible for the damage is not properly covered.

Often the person who is injured can sue the motorist for damages, however if the motorist has no assets or money there is not much use in suing for damages. Uninsured or underinsured motorist coverage is very important to have, and is very cheap to get insure yourself for.

The question that many people who are taking out an insurance policy need to ask themselves is can they afford not to have uninsured, or underinsured motorist cover.


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