What happens when you're in an accident and the driver who hits you doesn't have enough coverage or doesn't have any insurance at all? Underinsured coverage can protect you financially from uninsured drivers. It would be best if you considered adding underinsured auto insurance to your policy to ensure that you and your passengers are covered in an accident.
Let's dive into our quick overview of underinsured coverage and why you should consider adding it to your policy.
What Is Underinsured Insurance Coverage?
Underinsured insurance coverage is additional coverage that you can add to your policy. This insurance coverage protects you from at-fault drivers who cause an accident but don't have enough insurance coverages to pay for damages or injuries. Some states require this coverage to be added to your policy due to irresponsible drivers.
Underinsured insurance coverage covers:
- Lost wages
- Damages to your car
- Medical expenses
- Pain and suffering
Uninsured vs. Underinsured Coverage
Uninsured insurance coverages protect you from at-fault drivers who don't have liability insurance. However, underinsured insurance coverage protects you when you're in an accident with an at-fault driver whose liability coverage doesn't cover your medical or damage expenses.
The at-fault driver typically pays for damages up to their insurance policy limits, and your underinsured coverage will cover the rest of the bill up to the limits you chose.
Why You Should Add Underinsured Coverage
Depending on where you live, obtaining underinsured coverage may be required. However, it would be best if you always considered adding this to your policy in case of an accident.
Imagine being in an accident, and you're not at fault, but your car is damaged and your leg is injured, forcing you to take off work. You shouldn't have to pay for an accident you didn't cause. To protect yourself from mental and financial stress, you should add underinsured coverage to your policy.
Saferoad Insurance Services wants you to be safe while driving on the road. We offer affordable auto insurance in Anaheim and surrounding areas to help protect you from reckless drivers. If you have any questions or inquiries, contact us today!