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How does under/uninsured motorist insurance work?

On Behalf of | Jan 22, 2022 | Motor Vehicle Accidents

Another driver slammed into your car recently, but the responsible party does not have enough coverage for the injuries and damage you sustained. You have under/uninsured motorist coverage, but you do not know how to make the most of it for your personal injury case.

NerdWallet defines car policies that cover damage you did not cause in a car collision. You need not pay for a disaster you did not cause.

Defining under/uninsured motorist insurance

With under/uninsured driver coverage, your insurance company steps in when an at-fault driver either does not have auto insurance or does not have enough insurance to cover the cost of your damage and injuries. Without the policy, you would foot the bill for the other motorist’s negligence.

Depending on the state, drivers may not have to this policy. In Alabama, drivers may have an un/underinsured policy if they wish, but do not break the law if they do not have one.

Understanding what under/uninsured motorist insurance pays for

Other than your injuries, under/uninsured coverage also takes care of harm your passengers and household family members sustain in the same accident. If another driver hits your vehicle and drives off without leaving a note, your under/uninsured policy would take care of the damage and injuries you endure.

The policy breaks down into uninsured motorist bodily injury coverage and uninsured motorist property damage. Bodily injury coverage handles pain and suffering, lost wages, funeral expenses and medical bills. Property damage accounts for damage to your vehicle or property inside the vehicle.

Having all the facts on your insurance policy could ease your mind about your legal case. Being well-informed on the matter also helps you protect your rights.

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