Part 3: Uninsured/Underinsured Motorist Coverage

Uninsured or underinsured motorist coverage is similar to liability coverage. It covers your costs if you are injured by an uninsured motorist or if you are injured in a hit-and-run accident. It also covers your costs if the other driver’s insurance is insufficient to pay for your expenses (in other words, if the other driver is underinsured).

The reason this coverage is different from liability coverage is that the other driver must be at fault for you to collect on this coverage. It is recommended that you keep your uninsured/underinsured insurance coverage the same level as your liability coverage.

Automobile Insurance Explained
Part 1: Liability coverage
Part 2: Medical payment
Part 3: Uninsured/underinsured motorist coverage (see above)
Part 4: Comprehensive physical damage coverage

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