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.
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.
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