Why Should You Have Underinsured/Uninsured Coverage

All you want to do is get home to your family. Your spouse has dinner waiting on the table and you are starving. It’s been a long day at work and you just want to put your feet up for a few moments before you go to bed.

You suddenly find yourself in a wreck that you didn’t cause. The other driver does not have car insurance, which means you are stuck with the bills for your car’s damage. You cringe at the thought since your car insurance was just changed.

You have a feeling in your gut that your rates will go up because of this wreck, even though you weren’t the one to cause it in the first place. You don’t know how you’re going to pay for it, though you can hear your mother telling you that you should have gotten that uninsured coverage before now.

You wish you had listened to her, though you didn’t see the point in it at the time. You know now that you’ll be looking more into it when you get home. Let’s take a deeper look into uninsured coverage along with underinsured coverage.


There are two types of insurance coverage to look for when it comes to automobile insurance. The first type is called “underinsured coverage”. This means that the other driver is covered by automobile insurance but does not have enough coverage to pay for all the bills after a car wreck.

Both drivers are left with bills that must be paid. When someone is uninsured, it means that they do not have car insurance at all.

They would have to pay all bills stemming from the car wreck out-of-pocket instead of an insurance company paying for it. This would be the most expensive for both drivers involved in the wreck.

How it Works

There are drivers on the road who may not have enough vehicle insurance to cover a wreck. This leaves you to cover the cost of the bill if you get into a wreck with them. What if the person takes off from the wreck before the police gets there?

The thought is a nightmare for you since it would mean that you would have to take fault for a wreck you actually did not cause. This means you would have bills you would not have otherwise incurred. This is where underinsured and uninsured vehicle insurance comes in.

Compared to being liable for any bills that come into play from the wreck, this coverage is very much affordable for you. It would make sure that you do not have to pay for damage to your car that you did not cause.

Why You Need It

The idea behind these types of coverage is to make sure you aren’t stuck with unexpected bills. Quite a few drivers these days don’t have the money for full coverage. That means that you end up stuck with bills from situations that you didn’t cause.

This can be stressful for you and your family, especially if money is tight. Making sure that you are covered effectively means less stress down the road. Make sure you get the insurance that is right for your family!

Greenville and Raleigh, North Carolina Auto Accident Attorneys

I’m Brian Ricci, a Car Accident Lawyer serving Greenville and Raleigh, North Carolina. If you have suffered a personal injury, please call me anytime at (252) 777-2222 or 1-800-387-6406 for free, friendly advice. Let’s go over the details of your accident case over the phone and see how best to proceed. The call is free and there is no obligation to you.

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