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Eagle Eye Contents — Summer 2007

commercial lines personal lines Financial services
  • Uninsured/ Underinsured Motorist Coverage
 
     

Financial Services
Uninsured/Underinsured Motorist Coverage

You will see this coverage listed on your policy with a specific
limit. You're familiar with Collision Coverage, Comprehensive
Coverage, even Liability Coverage, but what is this for?

You're in an accident, it’s not your fault, you or your passengers
are badly injured, the person who hit you has no insurance or very little insurance, who pays the medical bills? You can sue, right? But if the person doesn’t own anything, what are you going to get? The medical bills need to be paid. This is the coverage that will step in and act like the responsible party's insurance company and handle your medical claim. You should have sufficient limits on this coverage to cover medical expenses, and they can be very expensive.