Underinsured Motorist Endorsement

An underinsured motorist endorsement is an insurance policy that provides additional coverage for bodily injury or property damage costs if the other driver is underinsured or uninsured. This type of coverage can be helpful if you are involved in an accident with a driver who does not have enough insurance to cover your damages.

The underinsured motorist coverage will pay for your medical expenses, lost wages, and pain and suffering up to the limits of your policy. It will also pay for the cost of repairing or replacing your vehicle, up to the limits of your policy.

In order to qualify for underinsured motorist coverage, you must be able to prove that the other driver was at fault for the accident and that they did not have enough insurance to cover your damages. You will also need to file a claim with the other driver's insurance company. If the other driver's insurance company denies your claim or does not have enough coverage to pay for your damages, you can then file a claim with your own insurance company under your underinsured motorist coverage.

It is important to note that underinsured motorist coverage is not the same as uninsured motorist coverage. Uninsured motorist coverage provides coverage for bodily injury or property damage costs if the other driver is uninsured. Underinsured motorist coverage provides coverage for bodily injury or property damage costs if the other driver is underinsured.

If you are involved in an accident with an uninsured driver, you may be able to file a claim with your own insurance company under your uninsured motorist coverage. However, your uninsured motorist coverage may have lower limits than your underinsured motorist coverage.

It is important to review your insurance policy to determine what types of coverage you have and what the limits of your coverage are. If you have any questions about your insurance coverage, you should contact your insurance agent.

Here are some additional things to keep in mind about underinsured motorist coverage:

* You may be able to purchase underinsured motorist coverage as an add-on to your existing auto insurance policy.
* The cost of underinsured motorist coverage will vary depending on your state, your insurance company, and your personal driving history.
* Underinsured motorist coverage is a valuable addition to your auto insurance policy. It can help to protect you from financial ruin if you are involved in an accident with an underinsured driver.