How does underinsured and uninsured motorist coverage benefit my family and me?


So some people wonder, well why is uninsured or underinsured motorist coverage different from my no-fault benefits.  No-fault benefits are restricted to essentially two things.  Wage loss and medical expense.  Uninsured and underinsured coverage provides compensation for additional aspects of your injury.

So if you’re seriously injured, you also have the right to bring claims for pain and suffering, for humiliation, for example, or embarrassment.  These are things that you would ordinarily be able to be compensated for by the other driver who’s at fault in the accident.

Uninsured and underinsured coverage provides benefits for you and your family to assure that if you have those claims and they’re serious that you’ll have enough coverage to be compensated for them.