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Uninsured/Underinsured Motorist Coverage 101

While car insurance is required in almost all states, except New Hampshire, not everybody follows the law. About one in every 7 drivers in the United States is uninsured, making uninsured/underinsured motorist insurance protect vital.

Uninsured/underinsured motorist coverage can provide protection in several different situations, including:

  • Uninsured motorist bodily injury
  • Underinsured motorist bodily injury
  • Uninsured motorist property damage
  • Underinsured motorist property damage

All of these coverage options will help cover the costs that are associated with a collision with an uninsured or underinsured motorist.

Uninsured/underinsured motorist coverage can help provide protection from many different situations on the road for a relatively inexpensive cost. In the state of Texas, uninsured/underinsured motorist coverage will also provide coverage if your vehicle is damaged in a hit and run accident.

Most states the insurance company of the person who is at fault for the accident will pay for the damages in a collision. If the person who is at fault does not have any insurance, or does not have enough insurance, the other driver will end up having to pay for the damages.

For all of your auto insurance needs in the McKinney, Texas area, contact Pierce Insurance Group.