The Role of Insurance in Protecting Against Underinsured and Uninsured Drivers

Most drivers assume that if another driver causes an accident, that person's insurance will cover the damages. Unfortunately, that's not always the case. Many drivers either have no insurance at all or carry coverage limits that may not be enough to pay for a serious accident.

What Are Uninsured and Underinsured Drivers?

An uninsured driver has no auto insurance coverage. An underinsured driver has insurance, but their policy limits aren't high enough to cover all the damages they cause.

If you're involved in an accident with one of these drivers, you could face unexpected medical bills, lost wages, and repair costs.

How Uninsured and Underinsured Motorist Coverage Helps

Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage are designed to protect you when the at-fault driver's insurance isn't enough—or doesn't exist.

Depending on your policy, this coverage may help pay for:

• Medical expenses
• Lost income
• Ongoing treatment costs
• Certain injury-related damages
• Passenger injuries

It can also provide valuable protection after a hit-and-run accident.

Why This Coverage Matters

Medical expenses and vehicle repair costs can add up quickly. Even a relatively minor accident can create thousands of dollars in expenses. Without adequate protection, you may be left paying those costs yourself.

Final Tip

You can't control whether other drivers carry enough insurance, but you can control how well you're protected. Reviewing your uninsured and underinsured motorist coverage today can help protect your finances and provide peace of mind every time you get behind the wheel.