What is uninsured or underinsured motorist coverage?

The purpose of uninsured and underinsured motorist coverage is to protect against situations where one party to the accident does not carry enough insurance or does not carry insurance at all. Therefore, the reason this coverage is required is to protect people against financially irresponsible people who have hurt others while operating an automobile, because of their own fault. If the uninsured or underinsured person is not at fault, most underinsured/uninsured motorist policies will not apply. Most states have statutes that require insurance companies to offer uninsured/underinsured motorist coverage as a part of each automobile/vehicle insurance plan. In most places, an individual may be considered underinsured when his or her insurance policy coverage is not enough to fund the full amount of damages he or she is liable for due to an accident or other event covered by his or her policy. In other states, a person is considered underinsured when his or her insurance coverage maximum is less than the coverage maximum of the other individual’s (in the accident) policy. Of course, uninsured persons are those that do not carry automobile liability insurance.

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