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Underinsured Motorist Coverage

Underinsured Motorist Coverage

When you hit the road, you do what you can to stay safe, like proactively staying protected with auto insurance. Good for you!

But what happens if you’re in an accident with an at-fault driver who has low coverage limits? You might have to pay for some of the damages and medical expenses, even though it wasn’t your fault. That’s why getting underinsured motorist coverage is a smart move.

What is Underinsured Motorist Coverage?

Underinsured motorist coverage protects you financially in the event you’re in an accident with an at-fault driver who has some auto insurance but their limits aren’t enough to cover all of your bills after an accident.

What Does Underinsured Motorist Protection Cover?

Underinsured motorist coverage works similarly to your liability bodily injury, but you’re buying insurance to protect yourself from injuries caused by other drivers, instead of buying insurance for injuries you cause to others.

Underinsured motorist bodily injury coverage. Helps cover medical expenses for injuries sustained in an accident, loss of income and funeral costs. It also helps cover the costs of treating emotional and mental issues resulting from accidents. This includes coverage for the insured members of your household, as well as the passengers in your vehicle. It’s all about helping restore your physical, emotional and mental well-being.

Is Underinsured Motorist Coverage Required?

About half of the states require underinsured motorist coverage, and most other states offer it as an optional coverage. You can look up your state’s requirements, or better yet, your agent can help you better understand what coverage is offered or required for UIM coverage in your state.

Want to Know More About Coverage Options?

For more protection on the road, check out these coverages:

Uninsured motorist coverage. Similar to underinsured coverage, uninsured motorist coverage protects you financially if you’re in an accident caused by a driver with no car insurance.

Collision insurance. Collision insurance helps pay to repair or replace your vehicle. Collisions can involve another vehicle or an object, like a tree.

Loan or lease assistance insurance. Loan or lease assistance insurance is an optional coverage than can be added to your collision policy in order to help pay the difference between what your car is worth and what you owe. This add-on helps pay the difference if you have a total loss.

Medical expense coverage. Medical payments coverage helps pay for medical care for you and your passengers, regardless of who is at fault.

Connect with your American Family Insurance agent about customizing your auto insurance coverage, because when you have the right auto insurance, you can keep your dream in drive with peace of mind knowing you’re protecting what matters most.