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What's the Difference Between Uninsured and Underinsured Coverage?

When you purchase automobile insurance, it is for your protection. It assists you if you’ve caused a car accident and the other driver has been hurt and medical bills need to be paid. It also has other benefits to you as well. But who protects you from the driver who doesn’t insurance or too little to cover your own injuries and medical bills? In these types of scenarios, this is where uninsured and underinsured motorist coverage is the right choice for your insurance needs.

Uninsured/Underinsured Drivers and Car Accidents

Uninsured and underinsured automobile insurance coverage protects drivers involved in a car accident with someone who does not have enough insurance to cover the injuries and damage or who has no car insurance at all. It can also be used in a number of other scenarios as well.

Uninsured and underinsured automobile insurance coverage comes into play when:

  • You or someone covered by you is injured in an automobile accident with an uninsured or underinsured driver
  • You are involved in a hit and run
  • You are injured in a car accident through no fault of your own, but the other driver is uninsured or underinsured
  • Your or a loved one, as a pedestrian, is injured by an uninsured or underinsured driver
  • Your insurance company may require a signed statement from the uninsured driver stating he/she has no insurance. Then you can make a claim with your insurance company for your damages.

Under your insurance policy, uninsured motorist coverage allows you to receive compensation from your own insurance company. You won’t be out thousands of dollars to pay for your own hospital stays, prescriptions, doctor visits, or lost wages. And on the same note, underinsured coverage helps you when that other driver doesn’t have enough insurance to cover your costs. Maybe their insurance plan only covers $10,000 of your bills, but your injuries equal up to $100,000. How do you make up the rest of those costs? With underinsured motorist coverage.

How Much Coverage Should I Purchase?

Most automobile insurance companies offer a wide variety of coverage options when it comes to automobile insurance. Purchasing just the minimum coverage available is risky since the minimum coverage available may not be enough in the event of a serious injury car accident. It’s important when purchasing these types of insurance policies that you get a lot of coverage. These policies are in place to protect you in a bad situation and you need enough coverage to do that, no matter what the injuries are.

Watch the video above to learn more.

Consult a Norfolk Car Accident Lawyer for More Information

The laws regarding uninsured and underinsured drivers can be complex and confusing. If you have legal questions, please contact Kalfus & Nachman at (855) 880-8163. Our firm has offices in Norfolk, Newport News, and Roanoke Virginia. We also serve Northeastern North Carolina.

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