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Cok Kinzler PLLP

What does uninsured and underinsured coverage mean?

Any time you get behind the wheel, you risk getting into an accident with someone who is not insured or does not have adequate insurance to fully cover your injuries if they are at fault. In fact, claims Allstate, as many as one out of seven drivers in Montana and other states don’t even have liability insurance on their vehicles. This is against the law, as you may well be aware – every state, including Montana, requires drivers to carry liability insurance at the very minimum.

What happens if you’re in an accident and the other driver’s insurance isn’t enough to pay for your medical bills? This is known as being “underinsured.” If this happens, you would be responsible for the remainder of your medical costs. There is a way to protect yourself from the effects of an uninsured or underinsured driver. Signing up for a policy that addresses these issues can pay for the medical care that the other’s party’s insurance will not pick up.

You may be able to get a policy for uninsured and underinsured driver protection ranging from $20,000 to $1 million. How much should you invest in? This depends on what your own car insurance policy will cover regarding your injuries, as well as your medical insurance and if you can get short- or long-term disability through your employer.

Having sufficient insurance to cover your medical damages can give you great peace of mind if you are worried about an accident. This blog can inform you of your options, but is not meant to serve as legal advice.

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