How does uninsured motorist coverage differ from underinsured motorist coverage?

Alyssa DiCrasto on 2024-04-25

Uninsured motorist coverage helps if the other driver in a car accident doesn’t have insurance. Underinsured motorist coverage helps if the driver doesn’t have enough insurance to pay for all the damages. So uninsured covers when there’s no insurance, while underinsured covers when there’s not enough insurance. They both protect you in case the other driver can’t pay for all the costs of the accident.

Posted by Alyssa DiCrasto

Alyssa uses her many years of experience writing about complex industries to research and create clear content that makes insurance easy to understand. She has been with Rate Retriever since its beginning, establishing our strict editorial policy and directing our comparison experience.

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