Underinsured Motorist Bodily Injury

If you are involved in an accident where the person found at fault does not have sufficient insurance coverage to pay for your medical expenses, your underinsured motorist bodily injury coverage will pay the difference. For example, if the other driver has $10,000 in bodily injury liability coverage but your expenses are $20,000, underinsured motorist bodily injury would cover the $10,000 difference.

Underinsured motorist bodily injury provides you with peace of mind, knowing that if the other driver has insufficient bodily injury liability coverage, your expenses will still be covered.

You are required to purchase underinsured motorist bodily injury coverage equal to the amount of bodily injury liability coverage you carry. So if you have $25,000 per person and $50,000 per accident for bodily injury coverage, you will also need that amount for your underinsured motorist bodily injury coverage. You as the policyholder are covered by your underinsured motorist bodily injury coverage, as well as others on your car insurance policy and any passengers who were with you at the time of the accident. If you do not have health insurance, purchasing underinsured motorist bodily injury coverage is a smart way for you to ensure your medical expenses are covered in an accident.