Underinsured/Uninsured Motorists Insurance is essential for drivers who want to ensure they are protected in the event of an accident involving someone who lacks adequate insurance coverage. This type of insurance fills the gap when the at-fault driver’s policy doesn’t fully cover the damages or when the responsible party has no insurance at all. It helps cover medical expenses, lost wages, and other costs related to injuries you sustain in such accidents. When selecting a policy, consider the potential medical and repair costs, as well as your current coverage levels, to ensure you have sufficient protection.
