What Is Uninsured And Underinsured Coverage?

If you were in an accident, there is always a chance that the other person involved does not have enough insurance. In fact, they may not have any coverage at all. Uninsured and underinsured motorist insurance can help cover the difference between your bills and the driver’s coverage. However, only up to the limits of your policy.

Uninsured Motorist Insurance

This provides extra coverage for property and bodily damage caused by drivers who do not have auto insurance of their own. Lastly, uninsured coverage is a requirement by the State of Illinois.

Underinsured Motorist Insurance

Underinsured motorist coverage provides extra coverage for property and bodily damage. But, only when caused by a driver whose limits are not high enough to cover the damages or medical bills.

Moreover, the at-fault insurance will pay for damages up to the policy limits. But, only after they are depleted will the underinsured coverage of your own policy kick in. Underinsured motorist coverage usually adds a small fee to an insurance policy and is a requirement by the State of Illinois.  

Types Of Uninsured And Underinsured Coverage


Bodily Injury Coverage

Underinsured and uninsured motorist bodily injury coverage covers medical expenses. It also covers lost wages and pain & suffering caused by an uninsured driver. Every policy has its own limit that can go up for an extra fee.

Property Damage Coverage

Uninsured and underinsured motorist property damage coverage protects the property damage caused by an uninsured driver. This coverage also protects any belongings in the car at the time of the collision.

More Information 

Have any additional questions regarding uninsured and underinsured motorist coverage, bodily injury liability coverage, or uninsured motorist property damage? Our agents and customer service team are here to help with your car insurance coverage needs. Call us today at 888-949-6289 or visit one of our many Illinois offices. Our offices are open from 8 a.m. to 9 p.m. CST, 7 days a week.

We can help you find an insurance quote right on our website. Because we want to help you save money wherever possible, we offer our cheap auto insurance quotes completely free of charge. 

By navigating our website, you can also inform yourself about many useful topics. These include how to file a police report and how a clean driving record can earn you affordable rates for insurance. You can even learn why you should never admit fault immediately following a car crash.

Insurance Navy also has a strong presence on social media, so like or follow us on Twitter, Facebook, Instagram, or YouTube. After that, we can keep you updated on helpful liability insurance tips, local news and much more.

Lastly, we also have blogs that may help you with any questions you have. For instance, our blogs cover many different topics. From how to keep your car cool in the summer, to proper steps to take after Godzilla damages your car.

*Please review your own policy carefully for details on underinsured and uninsured coverage. Underinsured coverage and uninsured coverage vary by the insurance company.