These two types of coverage protect you from injuries in cases where the other driver was either underinsured or uninsured. Underinsured motorist coverage pays for medical expenses, lost ages, and other damages when you or your passengers are hurt in an accident caused by a driver with auto insurance coverage too small to pay the bills. Your insurer will make up the difference between the negligent driver’s coverage and the maximum of your own policy. Uninsured motorist coverage operates the same way, except that instead of making up the difference between the negligent driver’s coverage and your own policy limits, your insurance company will be responsible for all of your bills. In Virginia and North Carolina, and many other states, uninsured and underinsured car insurance coverage is mandatory but the amounts that you maintain on your policy are optional over the minimal coverage. It is a very important part of your car insurance, because it helps you if the other driver is uninsured, or does not have enough insurance for the magnitude of your injuries.
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