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What is uninsured/underinsured auto insurance coverage?

Underinsured/uninsured auto coverage is, essentially, a saety net for drivers. It is coverage on your policy which directly benefits you if you are involved in a car accident that is not your fault and the negligent driver who hit you does not have auto insurance or does not have enough insurance.  In this situation, you can file a claim on your own auto insurance policy for uninsured/underinsured motorist coverage.