If you were in an accident, there is always a chance that the other person involved does not have enough, or any, insurance. 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.
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 motorists coverage provides extra coverage for property and bodily damage caused by a driver whose limits are not high enough to cover the damages or medical costs.
Moreover, the at-fault insurance will cover the damages up to the policy limits. But, only after they are depleted, will the underinsured coverage of your own policy will kick in. Underinsured motorist coverage usually only 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
Uninsured and underinsured motorist bodily injury coverage covers medical expenses, lost wages, as well as pain and 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.
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 insurance company.