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What are “Uninsured Motorist” and “Underinsured Motorist” coverages?

April 26, 2017coverages underinsured motorist uninsured motorist

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What are “Uninsured Motorist” and “Underinsured Motorist” coverages?

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A. These are coverages available as part of your own automobile insurance policy which provide you with benefits should the person who injures you in a motor vehicle accident not have insurance (“uninsured”) or has an insurance policy limit that is insufficient to fully compensate you for your damages (“underinsured”). You may recover monetary benefits from your policy to the extent you are not responsible in causing the accident.