Uninsured auto insurance or underinsured auto insurance coverage is to protect you from others who either don't have or don't have enough liability auto insurance coverage.
Even though state and provincial governments require a certain minimum level of liability auto insurance some people will not have auto insurance. Some drivers may have allowed their auto insurance to lapse, others may have only the minimum and then they seriously injure you. If their auto insurance coverage does not pay your bills then what?
Or perhaps you've been hit by a 'hit and run' driver. If the driver is never found, who pays?
This uninsured auto insurance or underinsured auto insurance coverage comes into play when:
- You, a member of your family or a driver of your vehicle is hurt in a collision with an uninsured driver.
- You, a member of your family or a driver of your vehicle is hurt in a collision with a 'hit and run' driver.
- You are hurt and it's not your fault, but the other driver doesn't have enough auto insurance to pay for your total loss.
- You are hit by an uninsured or underinsured vehicle as a pedestrian.
If you have Uninsured auto insurance or underinsured auto insurance coverage your auto insurance will pick up your bills.
Don't forget to check out the reduce auto insurance cost, discount car insurance, car insurance medical, auto insurance collision, liability insurance, comprehensive car insurance, uninsured & underinsured, auto insurance cost, and how much insurance should I carry guides and click on the links above for auto insurance companies.
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