In that situation, the other driver would be considered underinsured. However, in other states, if you and the at-fault driver have the same limits, the driver would not be considered underinsured and you may not be able to collect under your own insurance policy even if your damages are more than the other person's policy limits. It's important to read your policy to understand how your underinsured motorist coverage is applied.
This way, you can make sure you have the amount of coverage that is right for you. The bodily injury portion of uninsured and underinsured motorist coverage may also cover injuries to your passengers or anyone driving your insured auto with your permission at the time of the accident. In some states, uninsured and underinsured motorist coverage is a single coverage, for which you pay a single premium. In others, they are separate coverages, for which you would pay separate premiums.
Uninsured and underinsured motorist coverage is required in some states, while it's optional in others. Also, it's important to know that uninsured motorist property damage coverage is not available in some states. When you drive with quality coverage, you drive with peace of mind. Allstate auto insurance can help you stay protected for wherever the road takes you. Say you're involved in an accident that wasn't your fault. In most circumstances, you'd file a claim with the at-fault driver's car insurance company, get your car repaired and recoup compensation for any lost wages or medical expenses.
No out-of-pocket expenses to you. But what if the driver who sideswiped you doesn't have car insurance or doesn't have enough of it? Minimum liability insurance requirements don't always offer enough coverage after a car accident. Underinsured motorist coverage helps pay your expenses if you're hit by an underinsured driver. In some states, uninsured and underinsured motorist coverages are bundled together as a single coverage on your auto policy.
Each state defines "underinsured" a bit differently. Typically, it's a driver who doesn't have enough insurance to cover someone else's damages if he or she is found at fault in an accident. For instance, an underinsured driver might have auto liability insurance but either:. Uninsured motorist insurance protects you if you're in an accident with an at-fault driver who doesn't carry liability insurance.
Underinsured motorist coverage steps in when you're in an accident with an at-fault driver whose liability limits are too low to cover the medical expenses of any injured people. Need to pay a bill, make a change, or just get some info? Need to update your policy or get some information? Remember me i Log In.
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Please try again. Vehicle Insurance. Property Insurance. Business Insurance. Additional Insurance. My Account. Claims and Roadside Help. Tools and Resources. Web and Mobile. Contact Us. You are about to leave geico. An arbitration is a hearing in front of a neutral arbitrator or sometimes a panel of three arbitrators , who will consider all evidence, hear from both sides, and decide who wins.
The down side of binding arbitration is that, unlike a court trial, the losing side in an arbitration has very limited rights of appeal. Basically, the losing side in car accident arbitration is usually stuck with the decision.
Learn more about what to expect in your car accident injury case. The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. The attorney listings on this site are paid attorney advertising.
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Lawyer Directory. Call us at 1 Your ability to sue an uninsured or underinsured driver depends on the laws in your state.
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We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy. Related Terms Uninsured Motorist Coverage UM Uninsured motorist UM coverage may pay a policyholder's damages when an accident involves a driver who does not have insurance or is a hit-and-run.
Underinsured Motorist Coverage Limits Trigger Underinsured Motorist Coverage Limits Trigger can be specified by an insured party to protect against losses caused by an accident with a driver who has insufficient insurance. Introduction to Auto Insurance Auto insurance is purchased by vehicle owners to mitigate costs associated with getting into an auto accident. Discover more about it here. Liability Car Insurance Liability car insurance provides financial protection for drivers who harm someone else or their property while operating a vehicle.
Underinsured Motorist Endorsement Definition An underinsured motorist endorsement is a type of supplemental insurance commonly purchased as part of an automobile insurance policy. Partner Links. Related Articles. Car Insurance Guide to Car Insurance.
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