What is Uninsured/Underinsured Motorist Coverage?
Uninsured motorist insurance covers medical injuries to you and the people in your car if you are struck by someone who does not have insurance. The second part of the coverage “Underinsured” comes in to play when the person who hit you has lower limits of coverage than the injuries you have sustained in the accident.
There are many drivers who opt to carry the State Minimum of 25,000/50,000/15,000. The first number is the maximum their policy will pay, per person, for personal injury, 25,000 doesn’t go very far these days when it comes to medical costs. Also, most don’t realize that uninsured motorist insurance also covers you if you are struck as a pedestrian walking across the street or riding your bike.
Why Should I Get Uninsured/Underinsured Motorist Coverage?
The cost of uninsured motorist coverage is affordable and protects you and the people who ride in your car. Not everyone we offer a ride to has health insurance coverage. If you carpool or are helping deliver a car full of kids to a soccer game, it is always wise to make sure that your auto insurance policy has not only uninsured/underinsured motorist coverage, but that the limits of uninsured motorist coverage match your currently liability limits.
Additionally, if you no longer carry full coverage on your vehicle (comprehensive and collision coverage), you can purchase Uninsured Motorist Property Damage coverage. If you sustain damage to your vehicle, if you are hit by an uninsured motorist, you can still have the damage to your car repaired. There are deductible options available with Uninsured Motorist Property Damage (UMPD) and the premiums are usually quite favorable.
Secure the Best Auto Insurance Denver, CO Has to Offer with Centennial State Insurance Agency
If you are looking for the right auto coverage while living in Denver, CO, or the Denver area, our experts at Centennial State Insurance Agency are ready to help! As Colorado insurance specialists, we understand what is takes to properly insure vehicles in the centennial state to make sure you are properly taken care of.
According to insurance agent Savannah Martin at Centennial State Insurance Agency:
“We understand the unique needs of those located in [Denver] and work with insurance companies to understand this as well. We are able to help you with your home, auto, boat, motorcycle, RV, business, or life insurance needs. We pride ourselves in working with our clients and educating them on their insurance needs while providing excellent customer service.”