Car Insurance: Uninsured/Underinsured Motorist

What is it?

"Uninsured Motorist Endorsement protects the insured against loss if injury is caused by an uninsured motorist.  This coverage is optional.  When this coverage is written, the limits must be less than or equal to those selected for Bodily Injury Liability.  Charge the premium shown in the Rate Section taking into consideration the type of insured."

"Underinsured Motorist Coverage protects an insured against loss caused by a negligent insured driver with Bodily Injury Liability limits lower than the limits provided under this coverage to the extent that such limits exceed the Bodily Injury Liability limits at which the other driver is insured.  When this coverage is written, the limits must be less than or equal to those selected for Bodily Injury Liability."

Do I Purchase it?

Yes. This coverage protects you! You bought insurance to protect the other people on the road, so wouldn't you want to protect yourself?

How Do I Choose My Limits?

Same as Bodily Injury and Property Damage- figure how much you have in assets and double it. These limits should never be less than what you have for BI/PD

Common Options

• $100,000/$300,000 - don't go lower!
• $300,000/$300,000
• $250,000/$500,000
• $500,000/$500,000
• $500,000/$1,000,000
• $750,000/$750,000
• $1,000,000/$1,000,000

*Keep in mind, your situation may be different. Do not use this as a guide to create your own insurance policy, nor hold us accountable as we do not know your individual situation!