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Uninsured Motorist Coverage

Although Uninsured/Underinsured motorist coverage is not required in all states, it is recommended in states such as Arizona and Indian, where there is a high amount of uninsured drivers. In over 22 states is currently a minimum requirement to have uninsured auto insurance.

Uninsured Motorist Coverage

Uninsured motorist coverage will provide coverage when you are in an accident and the other driver does not have auto insurance. It will cover your injuries and any of your passenger’s injuries. It is illegal to drive without insurance, but many times there are drivers currently without insurance. In some states the percentage of uninsured drivers has reached above 25% of the driving population. If your car is hit by an uninsured driver, you don’t want to have to pay for all the bills that will come out of pocket. Access offers protection that will help cover those expenses.

Underinsured Motorist Coverage

What happens if you are in an accident and the driver at fault doesn’t have enough to cover your expenses? Then the driver would be considered underinsured. Access offers Underinsured Motorist Coverage for instances like this. This insurance steps in when you have a car accident and the at-fault driver’s liability limits are too low. They may not be able to cover all of your medical expenses. The driver’s insurance will still pay as much as their policy allows, but your underinsured coverage will then take over. Instead of you paying out of pocket at this point, it will cover the additional amount, up to the limits you select.

These descriptions are meant to assist you in determining your auto insurance needs. These are not complete descriptions and do not constitute an insurance contract or coverage for specific losses. For a complete description, please consult your policy contract or contact your insurance agent.