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Blog 7

Understanding Underinsured/Uninsured Motorist Coverage

Kent A. Bennett Associates Inc. Can Explain All Car Insurance Coverages

If you need help understanding underinsured/uninsured motorist coverage, this month’s blog could help you. We explained more about car insurance in our inaugural blog. The insurance experts at Kent. A. Bennett Associates Inc. fully understand the various coverages in car insurance. Among them is uninsured motorist and underinsured motorist coverage. One works if an uninsured motorist causes an accident in which passengers of an insured car suffer injuries or damage. The other works in the same scenario with an underinsured motorist.



Know if Uninsured Motorist Accidents Cause Injury or Property Damage

If an uninsured motorist causes an accident, uninsured motorist coverage for bodily injury pays for the insured person’s medical bills. It’s like liability bodily injury coverage—that, however, covers the other, insured driver’s medical expenses after a car accident. Uninsured motorist coverage for property damage foots the insured’s auto repair bill if an uninsured motorist causes an accident. Again, it’s comparable to liability property damage coverage, which pays to repair damage to the other, insured driver’s car.



Property Damage and Bodily Injury from Underinsured Motorists

Underinsured motorist coverage works the same as uninsured motorist coverage except the at-fault driver has insurance that doesn’t cover everything. For example, someone who owns his or her vehicle outright might not have complete insurance coverage. An underinsured motorist’s policy limits might fall below the cost of property damage or bodily injury resulting from an accident.



Underinsured Motorist Coverage & Uninsured Motorist Coverage Limits

Limits for underinsured motorist coverage and uninsured motorist coverage are usually written to cover passengers, bodily injury, and property damage. Let’s say your uninsured motorist and underinsured motorist limit is $25,000/$50,000/$25,000. The insurance will pay $25,000 maximum for each person if an uninsured motorist or underinsured motorist causes an accident.


The $50,000 limit covers the driver’s bodily injury associated with an accident caused by an uninsured motorist or underinsured motorist. Finally, the policy covers $25,000 total towards property damage resulting from an accident of at-fault uninsured motorists or underinsured motorists.



For more information about insurance, call Kent A. Bennett Associates Inc. Inc at (800) 548-9119. Like us on Facebook for the latest news and information about understanding underinsured/uninsured motorist coverage.