How Can Uninsured/Underinsured Motorist Coverage Protect You?

What would you do if a driver with insufficient liability coverage hit your vehicle in New Orleans, LA, or left the scene of the accident? Uninsured and underinsured motorist coverage is designed to protect you against such irresponsible drivers. The agents at Bright Auto Insurance can help you learn more about obtaining this coverage. Keep reading to learn how uninsured and underinsured coverage can protect you.

Quick Facts about UI/UI Coverage

  • Kicks in when the at-fault driver doesn’t have any liability coverage
  • Prevents you from bearing the financial burden of an accident that wasn’t your fault
  • Provides additional coverage if an underinsured driver hits your vehicle

How Does Uninsured/Underinsured Coverage Work?

Let’s say someone hits your car. You file a claim with the at-fault driver’s insurance, get your car fixed, and receive reimbursement for the damages plus any medical expenses incurred. 

What if the driver who hit you doesn’t have insurance or doesn’t have enough coverage to pay your expenses? If this happens to you, your UI/UI motorist coverage kicks in. Without this coverage, you could have out-of-pocket expenses for whatever the other’s driver’s insurance won’t cover.

Uninsured Versus Underinsured Coverage

Uninsured motorist coverage pays for expenses when a driver with no auto insurance hits you. If the driver who hits you has low liability limits, they might not cover the cost to repair or replace your car as well as any related medical expenses. Typically, the at-fault driver’s insurance handles these expenses up to the policy limits. Your underinsured coverage pays for the excess amount up to your coverage limit.

Get Underinsured/Uninsured Motorist Coverage in New Orleans, LA

Contact a representative at Bright Auto Insurance today. We’ll be happy to set up an appointment to give you a free quote. Let us help you review your auto insurance coverage to ensure it meets your needs.