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What You Should Know About Underinsured Motorist Insurance

Find out what underinsured motorist insurance can do for you.

As a driver, you know that there are certain auto insurance minimums that you are required to carry. Unfortunately, there is a large population of drivers who are not carrying enough insurance to meet these state coverage requirements. Luckily, there are things that you can do to protect yourself from these irresponsible drivers. For instance, getting underinsured motorist insurance is one of the best things that you can do to protect yourself. But what does this insurance cover and what can it do for you? Here’s what you need to know about underinsured motorist coverage.

What does it cover?

When you get into an accident caused by another driver, then that driver’s insurance normally covers your medical expenses and car repairs. However, if the at-fault driver is not carrying adequate auto coverages, you might be left to cover these costs on your own. This is where underinsured motorist insurance comes in. This type of insurance will provide coverage for your medical and repair expenses in the event that you are involved in a collision caused by an uninsured driver.

Why do you need this coverage?

Uninsured motorist insurance is not a mandatory coverage; however, this does not mean that you should forgo this important protection. Having this type of insurance is the only way to ensure that the cost of another driver’s irresponsibility does not come out of your own pockets. If you want to fill this coverage gap, then investing in underinsured motorist insurance is the best thing that you can do to protect yourself.

Interested in getting the right auto coverages to protect yourself? Then do not hesitate to turn to the experts at The Schwab Agency in Colleyville, Texas. Our dedicated team is always ready to assist you with all your coverage needs. Contact us to get started today.

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