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, up to the limits of your policy.

Uninsured Motorist

Uninsured motorist coverage provides extra coverage for property and bodily damage caused by drivers who does not have auto insurance of their own. Uninsured motorist coverage is required by the State of Illinois.

Underinsured Motorist

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. The at-fault insurance will cover the damages up to the policy limits and only after they are depleted the underinsured coverage of you own insurance will kick in. Underinsured motorist coverage usually only adds a small fee to an insurance policy and is required by the State of Illinois.  

Two 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 be increased for an additional 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.


Do you need more information about uninsured or underinsured coverage? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

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