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What does uninsured and underinsured motorist protection mean and should I order that coverage?

April 26, 2017coverage mean motorist underinsured uninsured

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What does uninsured and underinsured motorist protection mean and should I order that coverage?

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A. You should always include uninsured and underinsured motorist protection in your automobile insurance coverage. Uninsured motorist protection allows you to receive full, adequate and just compensation from your insurance carrier for injuries you receive in an auto accident caused by an uninsured driver. Under Pennsylvania law, all drivers are required to carry a minimum of $15,000.00 in auto liability insurance coverage. However, the minimum coverage is often not adequate to cover the injuries sustained in today’s serious accidents. Underinsured motorist protection allows innocent and injured motorists to collect compensation from their own insurance carrier for injuries sustained from a negligent driver who carried an amount of auto insurance that is insufficient to provide full compensation.