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
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.