When Does Underinsured Motorist Coverage Apply Versus Uninsured?

Navigating car insurance can be confusing, especially when it comes to protecting yourself from drivers without adequate coverage. This video clarifies the crucial differences between Uninsured (UM) and Underinsured Motorist (UIM) coverage, helping you understand when each type of protection applies. Here's what you'll learn about UM and UIM coverage: ► Understand the primary difference: UM protects when the other driver has NO insurance, while UIM protects when they have SOME, but not enough. ► Identify scenarios where Uninsured Motorist coverage kicks in, such as hit-and-runs or drivers with lapsed policies. ► Discover situations where Underinsured Motorist coverage becomes essential, like when the at-fault driver's liability limits are lower than your damages. ► Learn how both types of coverage typically protect you and your passengers for medical expenses and lost wages after an accident. ► Realize the importance of reviewing your policy to ensure you have adequate protection against financially irresponsible drivers. #UMvsUIM, #CarInsurance, #AutoInsurance, #InsuranceTips, #CoverageExplained, #UnderinsuredMotorist, #UninsuredMotorist, #AutoCoverageExplained