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Important Things You Need to Know About Underinsured Motorist Coverage

Two Vehicles on Road Accident
Source: Canva

Underinsured motorist coverage is additional coverage that can be added to your car insurance policy. In the event that you are involved in the course of an incident with someone who does not possess enough insurance, then it will come in to cover the excess. In the case of an accident, the liable individual’s insurance compensates the other individual who has been injured. For example, suppose the liable individual’s policy has a lower limit than the overall amount of the damages. In that case, the injured individual’s underinsured coverage will come in to cover the remaining balance.

What Does The Underinsured Motorist Coverage Pay For?

Underinsured motorist coverage can be divided into two categories:

  • Underinsured Motorist Bodily Injury, also known as UIMBI, is a type of car insurance that pays for the suffering and pain, medical expense, funeral cost, and lost wages if you are unable to work as a result of a car accident in which the liable driver who has not to possess car insurance that would cover the damages.
  • Underinsured Motorist Property Damage, often known as UIMPD, is a type of insurance that pays for car and property damage after such an accident involving a driver who has only minimal insurance.
Understanding Underinsured Motorist Coverage

Underinsured motorist coverage kicks in when an individual is involved in the course of an incident that was not their fault, and the other driver doesn't even have enough insurance to pay the damages. When you make a claim with your insurance provider, the company will approach the other driver's insurance company to arrange for payment. If the other driver does not possess sufficient insurance that would cover the expenses, the underinsured coverage compensates up to the limited amount of your policy.

Consider the following scenario:

You suffer car and medical damages of three hundred thousand dollars. However, the other driver's insurance policy only provides coverage up to two hundred thousand dollars. You may file a claim to your insurance provider for the remaining balance, up to the limited amount of coverage provided by your policy. You are not permitted to seek compensation for any additional expenses incurred as a result of the accident.

What Is The Benefit Of Underinsured Motorist Coverage

Although the underinsured coverage is an additional expense to the amount of a driver's insurance policy, it can be extremely beneficial if you are involved in the course of an incident in which the driver that was discovered liable does not possess insurance to cover the amount of the damages resulting from the accident.

Consult your case with vehicle accident attorneys since their goal is to provide their clients with the compensation they deserve. Call them right away if you or someone you know has been involved in the course of an incident with the underinsured coverage and is having difficulty recovering the damages you are entitled to under the law. An attorney in Thornton Esquire Law Group can guide you through the difficult legal process in the case of vehicle accidents.

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