Auto
Uninsured and Underinsured Motorist Coverage Explained
Updated [REVIEW DATE] · Reviewed by [AUTHOR / REVIEWER NAME & LICENSE]
Uninsured motorist coverage is designed to help when an at-fault driver has no liability insurance. Underinsured motorist coverage is designed to help when the at-fault driver has coverage, but not enough to address the harm caused.
These coverages are often overlooked because they protect you and your passengers rather than someone else. That is exactly why they deserve a careful look during a coverage review.
Availability, limits, and how these coverages interact with other benefits vary by carrier and by policy form.