What Is Uninsured or Underinsured Motorist Coverage in Auto Insurance?

Getting into a car accident is stressful enough. Finding out that the at-fault driver carries little or no insurance can make a difficult situation feel impossible. That is why uninsured and underinsured motorist coverage exists, and why drivers in Las Vegas, NV should understand what it does before they need it.

Understanding Uninsured and Underinsured Motorist Coverage

Uninsured motorist coverage, often called UM, may help pay for your medical expenses and related costs when you are hit by an at-fault driver who carries no liability insurance at all. Underinsured motorist coverage, or UIM, steps in when the at-fault driver has insurance, but their policy limits are too low to cover your actual losses. These components may be bundled under the same coverage endorsement.

Why This Coverage Matters

This coverage can be especially valuable in situations such as:

• Hit-and-run accidents where the other driver is never identified
• Accidents involving at-fault drivers whose coverage has lapsed
• Collisions where medical costs exceed the at-fault driver’s policy limits

Coverage details vary by policy, so reviewing exactly what your plan includes and how claims are handled under your specific terms is worthwhile.

Stay Covered on the Road

No one plans to get into an accident, but having the right coverage in place before one happens makes a real difference. If you are unsure whether your current auto insurance policy offers adequate coverage, we can help you review your options.

Contact Affordable Insurance today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.