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Underinsured – Uninsured Motorist Coverages

There is one thing that is worse than getting into a motor vehicle accident in the first place, and that is getting into an accident with an uninsured motorist. Fortunately, if you have uninsured motorist coverage your insurance company will pay you the compensation for the accident that you cannot recover from the uninsured motorist. When you make arrangements for your insurance coverage, you will have several choices. One choice will be whether to buy uninsured and underinsured motorist benefits. This type of coverage provides compensation in the event that you are injured as a result of being hit by someone who does not have automobile insurance (uninsured benefits) or in the event that you are injured as a result of being hit by someone who has insufficient automobile insurance to cover all of your losses (underinsured benefits).

Many insurance agents will tell you that you do not need to buy uninsured or underinsured motorist benefits. They may say that such coverage is unnecessary or too expensive. Do not believe them! If you want full coverage, then you must insist on uninsured and underinsured motorist benefits. Without these benefits, you run the risk of not receiving the compensation to which you are entitled in the event you or your family suffers injuries as a result of someone's negligent driving.

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