What is Underinsured Motorist Insurance?

Basics of Underinsured/Uninsured Motorist Insurance  

Even though the law currently requires all motorists to carry liability insurance, there are many that do not. What happens if you are in an accident with another person who does not have insurance and they were found to be at fault for causing the accident? Your car is damaged and you are hurt; who is going to pay for all of it? Luckily, your auto insurance in Vancouver, WA can help. If you have uninsured/underinsured motorist coverage in your policy, you can rest assured that you will receive adequate help.

If the driver at fault has no insurance or too little insurance to help you financially, then your uninsured motorist coverage can pay for the damages. Here is how the property damage to your car and injuries would be paid:

  • Damage to your vehicle: Your uninsured motorist property damage limit would be used to pay for the damages to your car. This is why it is extremely important that the limit on your policy is high enough to completely replace your car if needed.
  • Medical bills and lost wages: Your uninsured motorist bodily injury limits would be used to pay your medical bills, lost wages, and other damages such as suffering and pain.

These losses can stem from:

  • Uninsured drivers
  • Underinsured drivers
  • Hit and run drivers

Bear in mind that uninsured/underinsured motorist coverage is not a replacement for your collision or personal injury coverage, but acts as an extension to help pick up the pieces where those coverages end.

Be sure that you have reliable auto insurance so that you can work with an insurer who has your best interests in mind. At Action Insurance Group, we’re dedicated to providing motorists with car insurance that they can rely on. Serving Washington and Oregon, visit us today!

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