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What is uninsured/underinsured motorist coverage and do I have it?

April 26, 2017coverage motorist underinsured uninsured

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What is uninsured/underinsured motorist coverage and do I have it?

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Uninsured/Underinsured motorist coverage is a type of insurance that basically covers your accident just as liability insurance provides compensation to the people you may injure through your negligent driving. Uninsured/Underinsured motorist coverage has two categories: (1) Uninsured: the at-fault driver has no liability insurance; and (2) Underinsured: where the at-fault driver has insufficient liability insurance limits (at-fault driver’s policy limits are lower than the limits of your underinsured motorist coverage). This coverage typically extends to family members who live with you and anyone who is injured in your vehicle. The Uninsured/Underinsured motorist coverage is typically available for a fraction of what your initial policy cost. Please contact your insurance agent to insure that you and your family are adequately protected through an Uninsured/Underinsured Motorist Policy.