Underinsured & Uninsured Motorist Coverage

Be prepared for the unexpected

If you're in an accident, there's always a chance that the other person involved doesn't have enough — or any — insurance. Underinsured and uninsured motorist insurance can help cover the difference between your bills and the driver's coverage, up to the limits of your policy.

Understanding uninsured/underinsured motorist coverage

Uninsured/underinsured motorist coverage

VO:

Uninsured and underinsured motorist coverage helps pay for you and your passenger's medical expenses after an accident someone else causes.

Specifically, someone who doesn’t have enough – or any – insurance.

If you, or your passengers, are hurt in the accident, it can help pay for costly medical bills not covered by an uninsured or underinsured party.

One thing to note, is that in some states, one or both coverages are required.

Accidents can be expensive—you'll want coverage to protect you if one happens.

That’s what uninsured and underinsured motorist coverage can do for you.

What is an uninsured motorist?

An uninsured motorist is a driver without auto insurance coverage. Allstate's uninsured motorist coverage can help you pay for medical expenses or damage caused by a driver who is uninsured. Uninsured motorist bodily injury coverage is required in some states and optional in others. Some states also offer uninsured motorist property damage coverage.

What is an underinsured motorist?

An underinsured motorist is someone who has car insurance, but their liability coverage limits aren't high enough to cover an injury as a result of an accident they cause. The specific definition of an underinsured driver varies by state. If you are hit by one of these drivers, the underinsured motorist coverage on your own policy may help pay for the damage. Underinsured motorist bodily injury coverage is required in some states and optional in others. Read your policy or check with your insurance agent to learn more about this coverage and how it works.

Understanding uninsured motorist property damage coverage

Uninsured motorist property damage coverage

VO:

Uninsured motorist property damage coverage helps pay for repairs to your car after an accident someone else causes.

But not just any someone...someone who's underinsured – or uninsured – altogether.

It's required in some states, but it’s good to have—because in addition to car repairs, it can also help pay for damaged property that the other driver's insurance...or lack thereof...can't cover.

Accidents can be expensive—you'll want coverage to protect you if one happens.

That’s what uninsured motorist property damage coverage can do for you.

underinsured and uninsured motorist protection

Be prepared for the unexpected

Understanding uninsured/underinsured motorist coverage

What is an uninsured motorist?

What is an underinsured motorist?

Quality auto coverage starts here.

Understanding uninsured motorist property damage coverage