Underinsured Motorist Coverage

Underinsured Motorist Coverage (UMC) is an optional type of car insurance that protects you and your passengers if you are injured in an accident by an uninsured or underinsured driver.

UMC pays for your medical expenses, lost wages, and other damages if the at-fault driver's insurance doesn't cover your losses. It can also pay for your funeral expenses if you are killed in an accident.

UMC is important because uninsured and underinsured drivers are a major problem on the roads. According to the Insurance Information Institute, more than 13 million drivers in the United States are uninsured. And even if a driver does have insurance, it may not be enough to cover your losses.

UMC is typically sold in the same amount as your bodily injury liability coverage. So, if you have $100,000 in bodily injury liability coverage, you will also have $100,000 in UMC.

You can purchase UMC from your car insurance company. It's a good idea to add UMC to your policy, even if you already have a high level of bodily injury liability coverage. It's an affordable way to protect yourself and your loved ones in the event of an accident.

Here are some additional things to know about UMC:

* You can only file a claim for UMC if you are injured in an accident that was caused by an uninsured or underinsured driver.
* UMC does not cover property damage.
* You may have to file a claim with your own insurance company first, and then your insurance company will file a subrogation claim against the at-fault driver's insurance company.
* The amount of UMC you can claim is limited to the amount of your coverage.

Underinsured Motorist Coverage is an important part of any car insurance policy. It can help to protect you and your loved ones in the event of an accident caused by an uninsured or underinsured driver.