Every car on the road in Bluffdale, UT requires auto insurance. The minimum insurance coverage needs to include a limit amount for Bodily Injury Liability, Property Damage Liability, Personal Injury Protection, Uninsured Motorist, and Underinsured Motorist. The last two items, Uninsured Motorist and Underinsured Motorist, are not compulsory must-haves and can be waived in writing with your insurance company. However, United Insurance Services, Inc. recommends that you do not waive these items.
The terms uninsured and underinsured mean that the uninsured motorist does not have any insurance whereas, the underinsured motorist has insurance. Still, their coverage limits are too low to cover the accident claim. The minimum liability insurance requirements don’t always provide sufficient coverage to pay for all the expenses after an accident. The Uninsured/Underinsured cover on your personal policy will provide that extra protection if you are involved in an accident that was not your fault. Still, the driver who caused the accident does not have enough (or any) car insurance coverage.
Normally, if you are involved in an accident caused by someone else, you can file a claim with the responsible driver’s insurance company to recoup your losses. But, if the other driver has insufficient insurance to cover the claim, you may be forced to pay out of pocket for medical bills or car repairs. Unless your own policy carries Uninsured/Underinsured limits, in which case, the policy will pay out the shortfall. The policy will “kick-in” once the accident claim amount is higher than the at-fault party’s insurance liability coverage.
To help protect your assets, contact United Insurance Services, Inc. in Bluffdale, UT. Their friendly advisors will help you decide how much Uninsured/Underinsured motorist coverage you need to ensure you are fully protected against life’s little mishaps.