{"id":3585,"date":"2024-10-16T01:30:51","date_gmt":"2024-10-16T08:30:51","guid":{"rendered":"https:\/\/blog.answerfinancial.com\/?p=3585"},"modified":"2024-10-16T13:43:25","modified_gmt":"2024-10-16T20:43:25","slug":"whats-the-difference-between-under-insured-and-uninsured-motorist-coverage","status":"publish","type":"post","link":"https:\/\/blog.answerfinancial.com\/whats-the-difference-between-under-insured-and-uninsured-motorist-coverage\/","title":{"rendered":"Under-insured and uninsured: What&#8217;s the difference?"},"content":{"rendered":"<p>Let&#8217;s say you have been in a serious accident, and you were not found to be at fault. Not only was your car totaled, but you are going to require extensive medical treatment as a direct result of the accident. The other driver has auto insurance but is only carrying your state&#8217;s minimum coverage. Fortunately, you have <strong>under-insured<\/strong> motorist coverage, so you have an added layer of protection. But what&#8217;s the difference between under-insured and uninsured?<\/p>\n<p>In this example, the other party&#8217;s auto insurance will pay your bills up to the limit of that driver&#8217;s policy. With\u00a0<strong>under-insured<\/strong>\u00a0motorist insurance coverage,\u00a0your policy will cover bills\/liability that exceeds those low limits (again, up to your coverage limits). Also, in addition to being covered in your car,\u00a0<strong>under-insured<\/strong>\u00a0motorist coverage protects you if you are hit by a car while walking, or riding a bicycle, or even as a passenger in somebody else\u2019s car. This coverage can also be used to cover lost wages as well, if your injuries keep you from your work duties.<\/p>\n<p>Under-insured motorist coverage provides you with similar protection to <strong>uninsured<\/strong> motorist coverage, which covers you in the event that the at-fault party has <em>no auto insurance coverage whatsoever<\/em>.\u00a0With\u00a0<strong>uninsured<\/strong>\u00a0motorist coverage, after the example accident above, all payments would be paid out based on your coverage limits, as the other driver does not have any coverage at all.<\/p>\n<p>In many states, under-insured and uninsured coverages\u00a0are sold together, though some states allow you to carry them separately. If you are\u00a0<a href=\"http:\/\/www.answerfinancial.com\">comparison shopping<\/a> for new auto insurance and you&#8217;re in a state that offers these\u00a0coverages\u00a0separately, we recommend that you at least get <strong>uninsured<\/strong> motorist coverage, as without it, even damage\/bills from minor accidents (such as a visit to the emergency room for an x-ray) will come out of your own pocket.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Let&#8217;s say you have been in a serious accident, and you were not found to be at fault. Not only was your car totaled, but you are going to require extensive medical treatment as a direct result of the accident. The other driver has auto insurance but is only carrying your state&#8217;s minimum coverage. Fortunately,&hellip;<\/p>\n","protected":false},"author":22,"featured_media":4355,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[422],"tags":[119],"class_list":["post-3585","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto","tag-auto-insurance-2"],"ic_custom":{"author_name":"AnswerFinancial","medium_thumbnail":"<img width=\"300\" height=\"225\" src=\"https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2012\/05\/82109020_c895618d1e_z-300x225.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"Car been hit from the front\" decoding=\"async\" loading=\"lazy\" srcset=\"https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2012\/05\/82109020_c895618d1e_z-300x225.jpg 300w, https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2012\/05\/82109020_c895618d1e_z.jpg 640w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" 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