Let's say you're in a car accident, the other driver is at fault. If that driver doesn't have car insurance, uninsured motorist coverage will help protect you. It can cover injury-related medical expenses and costs associated with repairing damage to your car. If the driver who hit you has some auto insurance, but not enough, underinsured motorist coverage can cover the difference between your bills and the driver's coverage up to the limits of your policy.
An agent can give you more information about uninsured & underinsured motorist insurance so you can make an educated decision about the coverage levels you want.
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