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Insurance Explained

Answer to: What is Uninsured/Underinsured Motorist Coverage?


Hey, just when you thought life couldn’t get any better,

we can talk about uninsured and underinsured motorist coverage.

Excited? Me too.

Alright, look at this. Here is my own auto insurance policy.

I am paying $310 per year to have uninsured and underinsured motorist coverage on my policy.

That’s crazy! Why am I paying to insure all these

people driving around without insurance!?

I’m not really paying them to do it.

I am paying to protect myself in case I get hit by someone that is breaking the law driving without insurance or

is following the law by carrying some insurance, but not enough insurance to cover mine and my passengers’

injury-related damages.

So those could be medical expenses. They could be lost wages because I’m unable to work or I’ve become permanently or temporarily disabled after an accident.

So when you’re paying for uninsured and underinsured motorist coverage,

you are making sure that you get hit by someone who didn’t have insurance or didn’t have enough Insurance

to pay for the damage you sustained, then your own policy steps in and pays you and your passengers for the injuries incurred by the at-fault party in the other car.

So if you have other questions or you found this so riveting you want to delve into it even more, feel free to give me a call!

Thank you very much and have a wonderful day or night depending on when you watch this. Thank you, take care.

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